ANALYSIS OF THE STATE OF DECENTRALIZED FINANCE IN THE FINANCIAL SYSTEM OF THE RUSSIAN FEDERATION

Abstract

The article considers the state of household finances as one of the significant elements of decentralized state finances. The key observable indicators are real disposable income, actual expenses and income, and the balance of income. Based on the data of the Federal State Statistics Service, a number of negative trends in the development of decentralized finance have been studied. It is concluded that it is necessary to improve methods and tools for regulating income and savings of the population in order to create an effective mechanism for transforming household savings into investment resources.