FAMILY SAVINGS: THE CURRENT STATE AND OPPORTUNITIES FOR MULTIPLICATION

This article examines the reasons for the formation of savings and savings by family farms. The dynamics and structure of financial assets of family farms in the Russian Federation are presented, and a further possible trend in the development of the situation in this direction is considered. The positions regulating the need for family budget planning are shown. The key approaches to the formation of family savings are considered. Methods and models of family budget and family savings anagement have been studied. The trends and specifics of the development of family banking and joint accounts in banks of the Russian Federation, prospects for the future are also presented. The advantages of opening joint, family accounts are considered. The c urrently available proposals for family banking have been studied. The details of bank services in the framework of proposals for joint opening of a bank account are presented and ranked.