Determinants of financial well-being of the population of Tyumen oblast

Abstract

The high differentiation of living standards within the boundaries of a complex subject of the Russian Federation actualizes the problems of studying the determinants of financial well-being of the population. The article analyzes four groups of data for Tyumen oblast with autonomous districts that are part of it for the period of 2013–2021, including: average per capita cash income of the population; structural indicators of the balance of monetary income and expenses of the population; volume of deposits and other funds of individuals (excluding escrow accounts); amount of debt on loans provided to resident individuals. We used methods of matching, plotting scattering diagrams, identifying trends. As a result, a number of the following determinants of financial well-being were identified. Among the population of autonomous districts prevails the desire to accumulate savings in the form of cash (by 2021 the amount reached 393 billion rubles). Persistent shortage of cash savings in the South of Tyumen oblast (– 164 billion rubles) is covered by a surplus formed in the districts. In all three RF subjects there is a significant decrease in the ratio of the volume of deposits of the population and the volume of debt on loans, which corresponds to the all-Russian trend. The well-being of the population of the South Tyumen oblast should be considered with the account of the effect of indicative consumption due to the inevitable differentiation in the income of visitors and local population, as well as differences in behavioral models, which consist in a higher degree of wastefulness among visitors. Additionally, the possibility of using the obtained results in the framework of mathematical and neural network modeling of the process of dynamics in the well-being of the Tyumen blast population is considered.