emjumeЭкономика и управлениеEconomics and Management1998-16273033-7984СПбУТУиЭ10.35854/1998-1627-2024-6-740-749emjume-2141Research ArticleНАУЧНЫЕ ИССЛЕДОВАНИЯ МОЛОДЫХ УЧЕНЫХSCIENTIFIC RESEARCH OF YOUNG SCIENTISTSВозраст как детерминанта спроса на финансовом рынкеAge as a determinant of demand in the financial marketГордеевЮ. А.GordeevYu. A.

Юрий Алексеевич Гордеев, аспирант

119991, Москва, Ленинские горы, д. 1

Yuriy A. Gordeev, postgraduate student

1 Leninskie Gory, Moscow 119991

y.gordeev@yahoo.comМосковский государственный университет имени М. В. ЛомоносоваРоссияLomonosov Moscow State UniversityRussian Federation202429072024306740749Copyright © Гордеев Ю.А., 20242024Гордеев Ю.А.Gordeev Y.A.This work is licensed under a Creative Commons Attribution 4.0 License.https://emjume.elpub.ru/jour/article/view/2141Цель

Цель. Определение факторов влияния возраста на спрос относительно финансовых продуктов.

Задачи

Задачи. Установление возрастных групп, имеющих дистинктивные характеристики спроса на финансовые продукты; выявление групп финансовых продуктов, характерных для каждой возрастной группы; определение характера влияния возраста на спрос в отношении тех или иных финансовых продуктов.

Методология

Методология. Автором применены обзор и сравнительный анализ российских и международных публикаций, количественный анализ результатов всероссийского обследования домохозяйств.

Результаты

Результаты. Определены возрастные группы, имеющие дистинктивные характеристики спроса на финансовые продукты, проведен выбор групп финансовых продуктов, характерных для каждой возрастной группы. Кроме того, выполнен анализ влияния возраста на спрос в отношении ряда финансовых продуктов.

Выводы

Выводы. Формирование спроса на финансовые продукты зависит от возраста, являющегося ключевой демографической переменной, определяющей перечень продуктов финансового рынка, актуальных для конкретной возрастной группы, а также количественные и качественные показатели спроса на финансовые продукты. Возраст как детерминанта оказывает влияние на выбор потребителем продуктов финансового рынка и активность потребителя на этих рынках.

Aim

Aim. To determine the factors of age influence on the demand for financial products.

Objectives

Objectives. Establishment of age groups with distinction characteristics of demand for financial products; identification of groups of financial products characteristic for each age group; determination of the nature of the influence of age on demand in relation to certain financial products.

Methods

Methods. The author applied a review and comparative analysis of Russian and international publications, quantitative analysis of the results of the All-Russian household survey.

Results

Results. Age groups with distinctive characteristics of demand for financial products were identified, and the selection of groups of financial products characteristic for each age group was carried out. In addition, the influence of age on demand for a number of financial products was analyzed.

Conclusions

Conclusions. The formation of demand for financial products depends on age, which is a key demographic variable that determines the list of financial market products relevant for a particular age group, as well as quantitative and qualitative indicators of demand for financial products. Age as a determinant influences consumer choice of financial market products and consumer activity in these markets.

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The authors declare that there are no conflicts of interest present.