Annotation

The study focuses on identifying the impact of financial uncertainty on household income in Ukraine. Parameters and tendencies of impact of the economic situation in the country on the dynamics and structure of use of the money income of households should be considered by scientists to estimate general regularities of transformation of the dynamics and their use structure under modern conditions of the economy development.

Under the effect of financial uncertainty, households choose a saving model of financial behavior. Thus, it is important to examine peculiarities of financial behavior of households while creating and utilizing their income, to study an opportunity of their adaptation to economic realities.

Financial behavior of households confirms peculiarities of adaptation to modern economic realities of Ukraine, which are manifested by the following aspects:

– a share of savings in the total income of population has a permanent tendency to reduction, testifying a fall of actual income of population and growth of the volume of unorganized savings;

– a considerable share of savings gets the form of cash fund growth, and even a negative value of the index of growth of population’s financial assets is fixed, practically meaning outflow of funds from financial institutions;

– focusing of the savings on the purchase of property for long-term use;

– weak development of such ways of investing of the savings as the institutes of joint investing, share investment funds, etc.;

– insufficient amount of savings in the form of securities;

– the impact of the crisis;

– unequal distribution of income and savings of population negatively influences economic growth and prevents their transformations into credits and investments.