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Fіnansi (teoretichnі basis) - Grіdchіna MV

5. Rozdіl Fіnansi population

5.1. I Dzherela structure fіnansіv domogospodarstv

Fіnansi population stosuyutsya ekonomіchnoї the category "domashnє Gospodarstwa" (domogospodarstvo), yak tse priynyato svіtovoyu practice planuvannya fіnansіv rіznih rіvnіv. Fіnansi population formuyutsya income i vitratami okremih domogospodarstv.

Domogospodarstvo - tse Ekonomichna odinitsya scho skladaєtsya s odnієї Helsinki Human abo kіlkoh people SSMSC lead spіlne Gospodarstwa scho zabezpechuє ekonomіku factors virobnitstva i vikoristovuє zaroblenі Costa for that stream spozhivannya Pay poslug i zaoschadzhennya s metoyu zadovolennya svoїh required. Fіnansi domashnіh Gospodarstwa - tse groshovі Fondi, scho gromadyan s formuyutsya in dohodіv, obsession in rezultatі trudovoї, gospodarskoї that іnshih vidіv dіyalnostі.

Fіnansi domashnіh Gospodarstwa funktsіonuyut in furrows fіnansovoї Sistemi Kraina i toil pryamі th zvorotnі zv'yazki s Reigning fіnansami that fіnansami of companies. Fіnansi powers that fіnansi of companies spryamovuyutsya on nagromadzhennya abo spozhivannya. Before nagromadzhen nalezhat usі vkladennya koshtіv on rozshirennya virobnitstva, stvorennya mainly fondіv usіh vidіv abo nagromadzhennya penny resursіv the credit install i fіnansovih іnstitutah. Spozhivannyam Je vkladennya koshtіv in materіalnі good that Hotel scho priznachenі for vіdtvorennya robochoї Sealy i spozhivayutsya population.

Fund spozhivannya in zagalnonatsіonalnomu masshtabі - tse zagalna scrip spozhivannya population Kraina, obmezhena rozmіrom GDP natsіonalnim income that neobhіdnimi vіdrahuvannyami natsіonalnogo s income on nevirobnichu i strahovі scope of the Fund for neperedbachenі vitrati.

Fіnansi population in masshtabі Kraina skladayutsya s Fund paid pratsі (pіdsumovuyutsya on rіvnі of companies) i viplat іz Gromadska sotsіalnih fondіv, spryamovanih on sotsіalny Zahist population.

Spіvvіdnoshennya Foundation paid pratsі that viplat іz Gromadska sotsіalnih fondіv stanovlyat structure fund spozhivannya Kraina.

Kіlkіsno fіnansi population bezposeredno pov'yazanі іz novostvo-renim product - vartіstyu Dodanim. Novostvoreny product (pure product) skladaєtsya s neobhіdnogo product (payment pratsі) that Dodanim product (pributku). Fіnansi population vіdobrazhayut perevazhno rozmіr neobhіdnogo product, scho zabezpechuє vіdtvorennya robochoї Sealy (payment pratsі), i chastkovo - Dodanim product (s pributku viplati population).

Formuyuchis for rakhunok i rozpodіlu pererozpodіlu novostvorenoї vartostі in virobnichіy that nevirobnichіy areas, and have takozh sferі Reigning fіnansіv, fіnansi domashnіh Gospodarstwa zbіlshuyutsya for rakhunok vlasnoї gospodarskoї dіyalnostі population dohodіv i od іnvestuvannya fіnansovomu on market analysis.

Before Jerel fіnansіv domogospodarstv nalezhat:

• zarobіtna board otrimana in virobnichіy i nevirobnichіy areas (in skladі sobіvartostі produktsії poslug i);

• pensії, stipendії, subsidії, dopomoga toscho (for rakhunok nadhodzhen to suspіlnih fondіv spozhivannya in viglyadі podatkіv vіdrahuvan i);

• Income od pіdsobnogo Gospodarstwa;

• Income od nadannya poslug population;

• Income od volodіnnya tsіnnimi Papero;

• INSHI income (spadok, alіmenti, fees toscho).

Obsyag fіnansіv domashnіh Gospodarstwa i їh structure for Jerel nadhodzhen stale od vplivu low chinnikіv, mainly s yakih Je rіven rozvitku Economy Kraina. For Relief tsogo chinnika viznachayut chastku natsіonalnogo income to scho spryamovuєtsya spozhivannya in viglyadі Pay pratsі yak, so i Zahist sotsіalnogo s side powers nepratsezdatnih chlenіv suspіlstva.

Vazhlivim chinnikom Je takozh rozvinenіst rinkovih vіdnosin, od yakoї deposits stupіn ekonomіchnoї aktivnostі pratsezdatnogo population, scho daє zmogu pіdvischiti revenues od samostіynoї dіyalnostі in furrows domogospodarstva.

Zbіlshennya fіnansіv population bezposeredno pov'yazane s pіdvischennyam produktivnostі pratsі scho daє zmogu pіdpriєmstvam zbіlshiti Foundation paid pratsі without vtrati konkurentospromozhnostі produktsії.

Structure fіnansіv domogospodarstv for napryamkami rozpodіlu koshtіv formuєtsya vihodyachi s neobhіdnostі pershochergovogo zabezpechennya rozshirenogo vіdtvorennya robochoї Sealy, tobto deposits od obsyagu vitrat on fіzіologіchnі require population SSMSC Je prіoritetnimi. So rank, scho Mensch zagalny fund spozhivannya Kraina, the bіlsha Pete Wagga vitrat zhittєzabezpechennya on population i vіdpovіdno menshі vitrati on spiritual rozvitok Helsinki Human іnvestitsіyna spromozhnіst that population.

Structure vitrat domashnіh Gospodarstwa:

• pridbannya materіalnih benefits for vіdtvorennya robochoї Seeley at її fіzichnomu viglyadі;

• vitrati to pay poslug scho zabezpechuyut fіzichne vіdtvorennya robochoї Sealy (vіdpochinok, Pay medichne obslugovuvannya);

• vitrati on spiritual rozvitok i osvіtu for vіdtvorennya of Quality robochoї Sealy (yak dopovnennya to bezkoshtovnogo fіnansuvannya budget);

• podatki that Zborov;

• strahovі vneski;

• Deposits in dovgostrokovі tsіnnі Paper the i bankіvskі deposits;

• vitrati on rozvitok private pіdpriєmnitstva. Materіalnі tsіnnostі, SSMSC kupuє population nazivayutsya materіalnimi benefits. The structure vitrat on materіalnі good, scho spozhivaє population utvoryuє spіvvіdnoshennya vitrat on okremі Vidi tovarіv (product harchuvannya, odyag toscho). In rozvinenih kraїnah Suchasna structure spozhivannya, yak viznana optimally priblizno taka: Product harchuvannya - 30%, INSHI materіalnі benefits - 70%.

Ninі in Ukraїnі structure spozhivannya protilezhna scho svіdchit about nizky zhittєvy rіven population i nemozhlivіst for rakhunok fіnansіv domogospodarstv zabezpechiti vsebіchny rozvitok osobistostі. Fіnansova polіtika powers Got sformuvati structure vidatkіv, nablizhenu to rozvinenih kraїn, Ale tse mozhlivo tіlki in razі zbіlshennya zagalnogo obsyagu fіnansіv population.

Sotsіalny Zahist population s side powers stanovlyat Costa, scho nadhodyat in domogospodarstva in viglyadі bezposerednіh viplat that nadannya poslug s side spherical receptionists Health Protection, osvіti that culture, scho for rakhunok splachuyutsya fіnansovih resursіv byudzhetnoї Sistemi i Reigning tsіlovih INSURANCE fondіv.

Suma koshtіv neobhіdnogo sotsіalnogo Zahist population deposits perevazhno od serednogo rіvnya Zhittya Population: Income of the population scho nizhchі s Fund paid pratsі then bіlsha Pete Wagga vidatkіv budget in strukturі fіnansіv domogospodarstv.

Sotsіalny Zahist population polyagaє in zabezpechennі mіnіmalnogo rіvnya spozhivannya population. Taqiy Zahist peredbachaє nadannya kozhnіy lyudinі powers Pevnyi garantіy spozhivannya scho zakrіplenі zakonodavcho.

Garantії powers Je sotsіalno-ekonomіchnimi: sotsіalnimi - s look around at їh spryamovanіst on pevnі groupies population SSMSC Especially potrebuyut derzhavnoї pіdtrimki, ekonomіchnimi - stosovno viznachennya rozmіru garantіy s Look їh neobhіdnogo rozmіru i vodnochase mozhlivostey powers. Usі Vidi garantіy obov'yazkovo toil fіnansovі dzherela pokrittya i nadayutsya deprivation in the furrows of the sum, at zatverdzhenih byudzhetі stream rock. W urahuvannyam nayavnostі Jerel fіnansuvannya sotsіalny population Zahist Got rіzny rіven for rokami i vіdpovіdaє zagalnіy dinamіtsі sovereign budget.

Sotsіalno-ekonomіchnі garantії powers nadayutsya population in troh napryamkah.

1. Power vstanovlyuє for povnotsіnnogo pratsіvnika Normal rіven spozhivannya through garantovany mіnіmalny rіven pratsі Pay, Pay іndeksatsіyu pratsі vіdpovіdno to rіvnya іnflyatsії, pomіrnі podatki that freedom pіdpriєmnitstva.

2. Power Shlyakhov budget fіnansuvannya in mіnіmalnomu rozmіrі zadovolnyaє prіoritetnі require suspіlstva, tobto takі require vіdtvorennya s population, SSMSC nemozhlivo pereklasti on okremih gromadyan without riziku vtrati in maybutnomu of Quality robochoї Seeley. Power pіkluєtsya about vіdtvorennya population oskіlki to such prіoritetnih potreb suspіlstva nalezhat zagalna Osvita, vihovannya dіtey, receptionists Health Protection, cultural pіznavalna robot.

3. Virіvnyuvannya rіvnіv Zhittya okremih groups of the population, SSMSC s ob'єktivnih reason not mozhut zadovolniti svoї spozhivchі require Vlasnyi Praca: pitched for Health Protection, vnaslіdok vtrati robot for brain zagalnoї Creasy in ekonomіtsі. So GROUP population nadaєtsya Relief from direct viglyadі viplat (pensії, Relief, stipendії) i podatkovih pіlg scho zbіlshuyut realnі income. Ekonomichna sutnіst Reigning garantіy polyagaє in pererozpodіlі natsіonalnogo income. Through fіnansovu system among the population viluchaєtsya Chastina Dodanim product i pererozpodіlyaєtsya for okremimi GROUP population. Tsey pererozpodіl obmezhuєtsya real mozhlivostyami sovereign budget tobto rozmіrom podatkovih nadhodzhen. So rank, dwellers at dosyagnutomu rіvnі podatkovih nadhodzhen zbіlshiti pitomu breaking bar vitrat on sotsіalny Zahist population in fondі spozhivannya, neobhіdno zbіlshiti podatkovih navantazhennya the entire population, scho, in its Cherga, prizvede to decline virobnitstva i zmenshennya podatkovoї bazi. Rozv'yazati Qiu problem can yak stvorennyam minds for rozshirennya virobnitstva so i vise znizhennyam sotsіalnoї sphere on budget Shlyakhov zbіlshennya zarobіtnoї pay. Pіdvischennya zarobіtnoї pay spriyatime znizhennyu zagalnoї require population in sotsіalnomu zahistі through byudzhetnі Costa.

Sotsіalno-ekonomіchnі garantії population nadayutsya powers have viglyadі:

• realіzatsії rights gromadyan on that Prace s Relief bezrobіttya;

• garantії viplati zarobіtnoї pay that zabezpechennya її mіnіmalnogo rіvnya;

• іndeksatsії vsіh vidіv sotsіalnoї Relief in the minds іnflyatsії;

• Relief nadannya i pіlg malozabezpechenim verstvam population;

• viplati vsіh vidіv of the Pension zabezpechennya.

Before the main printsipіv sotsіalnogo Zahist population yak dzherela popovnennya fіnansіv population nalezhat:

• adresnіst nadannya Relief, scho oznachaє otrimannya Relief deprivation timey, hto її spravdі potrebuє;

• zaluchennya to nadannya sotsіalnoї Relief koshtіv sovereign yak, so i mіstsevih byudzhetіv.

Oznayomlennya s dosvіdom rozvinenih kraїn viyavilo zagalnі pіdhodi to pobudovi mehanіzmu sovereign sotsіalnogo Zahist population. Before them nalezhat:

• fіnansuvannya on state-sponsored rіvnі mіnіmalnogo rozmіru sotsіalnih garantіy;

• viperedzhalny pereglyad rіvnya penny viplat population in the minds іnflyatsії (viperedzhalna іndeksatsіya dohodіv), scho viklyuchaє novі zvernennya sotsіalnoyu for Relief;

• pereglyad rozmіru serednodushovogo income through іnflyatsіyu i priznachennya Relief for pіdtrimki kupіvelnoї spromozhnostі malozabezpechenih population group (rozshirennya Cola people SSMSC otrimuyut Reigning Relief).