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Household savings: The savings rate and saving motives

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  • K. A. Kulkova

  • A. E. Vavilov

Abstract

When making monetary policy decisions, the Bank of Russia relies on a wide range of information about the state of the economy and the financial sector, including the impact of monetary conditions on consumption and investment. Information on household savings is important in terms of its influence on the formation of consumer or saving sentiment among the population. The household savings rate can be used to assess saving behavior. Studying households’ propensity to save from the perspective of behavioral motives makes it possible not only to evaluate preferences regarding the liquidity of financial products, but also to identify key patterns in responses to economic shocks. The results of a factor analysis of household saving motives are presented, on the basis of which a decomposition of the savings rate is carried out. The relationship between the savings rate and changes in the Bank of Russia’s key policy rate is modeled.

Suggested Citation

  • K. A. Kulkova & A. E. Vavilov, 2026. "Household savings: The savings rate and saving motives," Voprosy Ekonomiki, NP Voprosy Ekonomiki, issue 5.
    • Handle: RePEc:nos:voprec:y:2026:id:5869
    DOI: 10.32609/0042-8736-2026-5-51-75
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