Factors of financial security of households in Russia and Volgograd region
The article provides a study of the main methods of ensuring the financial security of the population, which are implemented by the state. State regulation of household cash income should be considered as the basis for conducting income policy in general, social policy and policy of economic growth, the targets of which are to increase the quality and standard of living in the country. Within the framework of this work, it was revealed that the real incomes of the population has decreased, while there is a tendency for the average per capita income to grow, this is explained by the fact that the indicator of average per capita income gives an overestimate of the explainedfactor, due to the uneven socio-economic development of the subjects of the Russian Federation and the concentration of income in certain groups; the subsistence level shows an increase, but exceeds the minimum wage level in the country. According to the Labor Code, the minimum wage cannot be lower than the subsistence minimum for the able-bodied population (Article 133 of the Labor Code); an increase in the population with monetary incomes below the subsistence level, which indicates a low standard of living for a certain part of the population of the Volgograd region, and the dynamics of this ratio indicate a worsening of the situation; insignificant growth in consumer spending occurs due to the restructuring of costs against the backdrop of the crisis, residents have to save, income is not always enough to purchase goods. Within the framework of the research topic, a grouping of indicators was developed for certain areas of financial security of the population, which provides an opportunity to assess the benefits of the financial life of the population, to identify areas that are most likely to be influenced by external and internal threats. In conclusion, recommendations were developed for state authorities on the application of methods for assessing the financial security of the population.