voprecotestВопросы экономикиVoprosy Ekonomiki0042-8736Voprosy Ekonomiki, NP10.32609/0042-8736-2022-3-98-117voprecotest-3574Research ArticleМИКРОЭКОНОМИКАMICROECONOMICSОценка потребительского поведения домохозяйств в РФEstimates of households consumer behavior in Russiahttps://orcid.org/0000-0002-7461-094XКовальП. К.KovalP. K.

Коваль Павел Константинович, м. н. с.

Москва

Pavel K. Koval

Moscow

pashakoval102007@gmail.comhttps://orcid.org/0000-0003-4683-8194ПолбинА. В.PolbinA. V.

Полбин Андрей Владимирович, к. э. н., зам. зав. международной лабораторией математического моделирования экономических процессов Института Гайдара; руководитель лаборатории математического моделирования экономических процессов РАНХиГС

Москва

Andrey V. Polbin

Moscow

apolbin@iep.ruИнститут экономической политики имени Е. Т. ГайдараРоссияGaidar Institute for Economic PolicyRussian FederationИнститут экономической политики имени Е. Т. Гайдара; Российская академия народного хозяйства и государственной службы при Президенте РФРоссияGaidar Institute for Economic Policy; Russian Presidential Academy of National Economy and Public AdministrationRussian Federation2022100320220398117Copyright © Voprosy Ekonomiki, NP, 20222022Voprosy Ekonomiki, NPVoprosy Ekonomiki, NPhttps://www.vopreco.ru/jour/about/submissions#copyrightNoticehttps://www.vopreco.ru/jour/article/view/3574

В работе построены возрастные профили потребления домохозяйств РФ и на их основе оценены параметры дисконтирования будущего и относительного неприятия риска. Возрастные профили имеют горбообразную форму, пик уровня потребления достигается в 38—40 лет. Важной детерминантой горбообразной формы является состав домохозяйства: при пересчете потребления для среднего индивида в домохозяйстве горбообразная форма становится менее выраженной. В среднем домохозяйства имеют высокий коэффициент относительного неприятия риска и низкий коэффициент дисконтирования будущего. Такая конфигурация параметров свидетельствует о важной роли мотива предосторожности в потребительском поведении домохозяйств. Оценки представлены для домохозяйств, различающихся по уровню образования и количеству членов.

In this paper, the consumption profiles of households in the Russian Federation are constructed and, on their basis, the parameters of future discounting and relative risk aversion are evaluated. The paper demonstrates that the age profiles are hump-shaped, the peak consumption level is reached at 38—40 years. The important determinant of the hump shape is the composition of the household: when consumption is recalculated for the average individual in a household, the hump shape becomes less pronounced. On average, households have a high level of relative risk aversion and a low level of future discounting. This configuration of parameters indicates the important role of the precautionary motive in the consumer behavior of households. Estimates are presented for households with different levels of education and number of people.

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