Recommendation for development of finance of households of Kazakhstan
Formation of modern households, essence and functions of their finance of households in system of the financial relations. Analysis of finance of households in Kazakhstan. Gross revenue of households. Monetary incomes and expenses, financial resources.
| Рубрика | Экономика и экономическая теория |
| Вид | курсовая работа |
| Язык | английский |
| Дата добавления | 05.12.2014 |
| Размер файла | 263,5 K |
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However institutional registration of a household is in an initial stage. Absence of mortgage institutes limits their opportunities.
Increase of financial stability of households of Kazakhstan, level and quality of life of the population belong to category of the problems needing the urgent decision. Being interconnected, they act as a necessary condition of large-scale modernization of economy, and its main result. Steady and high-quality level of living fundamental basis of improvement financial position of households that is strong incentive of economic and social progress.
The aspiration to success has to move the "market" person who in all types of the activity will be compelled to show creative approach, an efficiency work, innovation. The called qualities are a business basis.
The result of social adaptation to market conditions and economic activity of households can be estimated on structure of the monetary income gained by them.
According to the reflected data in 2006 in Kazakhstan in structure of the income of 80% makes the income from work, 18% - social transfers, 4% - other monetary receipts.
The share of the income from work in dynamics in 9 years is almost invariable. It means that in spite of the fact that the market system of managing admits Kazakhstan, the main part of the income of the population is still made by a salary.
The share of social transfers increases. It can mean that, first, that the considerable part has the social position complicated the population, secondly, that the state carries out large-scale social programs.
Other monetary receipts for the specified period decreased though allegedly would have to be on the contrary. In market economy of a household are the most chief economic agent and carry out some backbone functions.
To optimize structure of the income and expenses of households, it is necessary to increase the income not due to the public assistance, and by means of pay rise, profit and the mixed income, the income from property. State regulation has to be guided by creation of new workplaces, assistance of an entrepreneurial activity in the country - it, in total, can help to reduce a share of expenses from the government budget by social payments.
Tendencies allow to formulate separate offers on further development of finance of households:
The policy of the government has to be directed on elimination of inflationary tendencies which are the main factor in depreciation of the income of citizens;
Increase of the general level of the income and expenses of the population by means of pay rise, profit and the mixed income, the income from property, will provide at the same time increase in revenues of the budget;
Providing opportunities of obtaining the income from property by development of securities market;
Development of non-state pension provision and introduction of obligatory medical insurance.
Conclusion
In this work the following subject - "Finance of households" was studied. The specific goal was set - to open the maintenance of the chosen subject by means of studying of theoretical and practical material on this subject, and also the analysis of the received data. In the course of studying the following tasks were solved:
the household as the subject of the economic relations is studied;
the concept of finance of a household and their functions is opened;
the structure of financial resources of households is found out;
the structure of the income is considered and the main directions of expenses of households are defined.
the main problems of households are considered
are written recommendations about development of households of Kazakhstan
Following the results of the conducted researches it is possible to draw conclusions.
The household is a certain person or a family, or group of the families which are constantly living in this place and in common providing themselves to all necessary for life, it unites all hired workers, owners of the large and small capitals, securities which are occupied and aren't occupied in a social production, and can consist of one and more members. Households are subject of economic activity because they participate in all economic processes of society.
Finance of a household represents the economic monetary relations on formation and use of funds of money for providing material and social living conditions of members of this economy and their reproduction, they carry out two functions - ensuring vital needs of a household and distributive function.
A financial resource of a household is the cumulative fund of money which is at the disposal of concrete economy (family). Created as a result of a production activity of members of a household, it acts as part of the national income of all society.
To structure of financial resources of a household join:
own means, that is earned by each member of a household: a salary, the gained income from subsidiary farm, profit on commercial activity;
the means mobilized in the market in the form of the received credit, dividends, percent;
the means which arrived as redistribution: pensions, grants, loans from budgets and off-budget social funds.
Financial resources of a household form the budget of a household is a form of education and use of fund of funds of concrete economy, it unites the cumulative income of members of a household and expenses providing them personal needs. Within the budget the isolated monetary funds are formed: the individual - for certain family members; the joint - for purchase of public goods; and fund of accumulation and providing (reserve fund) - for future capital expenses.
Income of a household is the part of the national income created in the course of production and intended for satisfaction of material and spiritual needs of members of a household. This income has to compensate labor expenses, that is all physical and mental capacities of people spent in the course of production. They include: natural income (non-monetary) and monetary income.
Expenses of a household (family) are the actual costs of acquisition of material and cultural wealth necessary for continuation of human life. They include consumer expenses - purchase of goods and services, obligatory and voluntary payments - taxes, collecting, duties, assignments, and savings and accumulation of households.
In modern conditions households need to plan so gained income and it is so rational to use them because it can allow emergence of negative balance in the family budget.
References
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21. http://www.caspinfo. kz/
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Appendix
Schedule 1
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