Namų ūkių sektorius kaip finansinio stabilumo komponentė

Abstract

The studies of financial system stability especially increased in recent decades. Many central banks try to evaluate and predict the state of the financial system; recognize the factors and indicators that best reveal the financial system. Nevertheless, there is no consensus on how to identify, let alone predict trends of the financial system. The households sector as one of the key players in the economy has undoubtedly a great impact on the overall financial situation of the country. In the scientific literature, the attention of the researchers is draw not only to the research of impact of governments, companies and financial intermediaries to the financial system, but also to such important problems as the influence of household sector on the country’s financial stability and to how it is measured. This is important for both theoretical and practical point of view. It is obvious that such relationship exists and is important. However, in order to assess the quantitative indicators is necessary to define the concepts, and this is difficult because the same concepts are certain constructs (invisible values, depending on the measurement type). This is confirmed by an abundance of different definitions provided by various authors. The aim of this work is to determine the most commonly used household sector indicators to measure financial stability. The methods used in this work are logical analysis and synthesis, comparative analysis of scientific literature, generalizations. [...]