ИСПОЛЬЗОВАНИЕ ТИПОВЫХ МОДЕЛЕЙ ФИНАНСОВОГО ПОВЕДЕНИЯ НАСЕЛЕНИЯ В УСЛОВИЯХ МАКРОЭКОНОМИЧЕСКОЙ НЕСТАБИЛЬНОСТИ

Conditions of macroeconomic instability naturally cause volatility in consumer demand. The households, forced to adapt to dynamic conditions at once, are the most sensitive to deterioration of macroeconomic indicators. The authors present a dynamic direct linear correlation of gross domestic product trends, the cost of hydrocarbons, inflation, real disposable income and credit load of the population. In the process of this study, the authors considered and analyzed many results of domestic and foreign studies on the subject of financial behavior models based on the totality of the psychological and economic qualities of people. The result of the monitoring was the formation of 11 types of financial behavior of people in conditions of volatility of macroeconomic indicators. However, despite the really significant influence of external conditions, it is noted that the types of financial behavior are also determined by the subjective characteristics of the person. The result of the study was the construction of a functional-structural model of the financial behavior of the population, which allows us to make irrational financial decisions, to predict behavioral trends for leveling mass consumer and speculative waves, as well as the degree of population debt burden using ranking people into categories from the perspective of their potential exposure in the context of macroeconomic instability