COMPONENTS OF FINANCIAL STABILITY ENSURING OF THE HOUSEHOLDS

The calculation and definition of indicators for assessing the financial condition of households are of great importance for households with the aim to improve the efficiency of use of financial resources, and for other subjects: - state ? to identify the reserves for attracting free funds of households in the financial system as an investment and credit resources; the possibility to predict changes in the financial stability of households with the change in government policy, income generation, level of taxation, and so on; - business entities and financial intermediaries ? to assess the creditworthiness of the borrowers, potential investors (households participants). The criteria introduction for each of the indicators for assessing the financial condition enables comparative analysis for individual households (changes in perspective over time, changes depending on the expected structural changes of income and expenditure, changes depending on the structure of the household, and so on), and to conduct a comparative analysis of the financial condition of households with each other. A comprehensive analysis of the financial condition of the household in accordance with the proposed indicators forms the basis of the study of changes in the household financial stability and becomes a prerequisite for the development of measures to manage financial resources in the context of changes in the households financial strategies and income structure. Measures implementation to manage the financial stability enables the preconditions creation for increasing the efficiency of formation and use of households financial resources. Given the characteristics of the households as participants of the financial relations measures regarding to the formation and ensure the financial stability of households are developed taking into account the importance of attracting financial resources of households into investment processes without deterioration of the financing needs of current life.