Recommendation for development of finance of households of Kazakhstan - Курсовая работа

Content Introduction Chapter I. Finance of households in system of the financial relations, their essence and functions I.I. Households as subject of the economic relations I.II. Essence and functions of finance of households Chapter II. Analysis of finance of households in Kazakhstan II.I. Gross revenue of households II.II. Monetary incomes and expenses II.III. Financial resources of households Chapter III. Recommendation for development of finance of households of Kazakhstan Conclusion References Appendix Introduction Households at the present stage act as one of important subjects of economic activity on which results depends not only welfare of a separate economic unit, but also all population of the country. The household is understood as economy which is conducted by one or several persons who are living in common and having the general budget. The household unites all hired workers, owners of the large and small capitals, the earth, securities which are occupied and arent occupied in a social production. The household is a concept wider, than a family, and unlike a family of a household include not only relatives and can consist of one, two and more members. Finance of a household is economic monetary relations on formation and use of funds of money for providing material and social living conditions of members of economy and their reproduction. Finance of households, according to modern economists, takes an important place and is the third link of a financial system. In the macroeconomic analysis the household is understood as economy which is conducted by one or several persons who are living in common and having the general budget. The household unites all hired workers, owners of the large and small capitals, the earth, securities which are occupied and are not occupied in a social production. In system of the economic relations households have extremely important value as they are owners of the factors of production which are in private ownership. In economic system a role of households are defined by that they act in the market as buyers of the goods and services made by firms; provide to the same firms production factors; preserve part of the cumulative income formed in economy, getting real and financial assets. Thus, finance of a household represents the monetary relations concerning formation and use of funds of money for providing material and social living conditions of members of economy and its reproduction. In this work one of hot topics of modern financial science - Finance of households will be considered. Relevance of the chosen subject is explained by that households, having become the largest subject of economy, by means of the finance participate in all macro regulating processes of our society and represent the main force in production and distribution of goods and services. Object of research of this work is finance of households in system of the financial relations. An object of research of work is the functional aspect of finance of households as functions of finance help to understand more deeply concept of a household and to see its mission in modern society. Studying of a subject also gives the chance to estimate formation of the income and expenses of economy on the example of a family. Studying of the chosen subject assumes achievement of the purpose - to consider finance of households. According to a definite purpose the following tasks were set and solved: to study a household as the subject of the economic relations; to open concept of finance of a household and their functions; to find out structure of financial resources of households; to consider structure of the income of households (a gross revenue, the monetary income, state regulation of compensation, the state social transfers) and to define the main directions of expenses of households on the example of a family; to generalize the received material in this work and to draw conclusions. [17, page 91] Households are one of three main subjects of economic activity. Covers the economic units and processes happening where the person, a family constantly lives. In system of the economic relations of a household carry out such roles, as: buyers of goods and services in the market; the workers providing the intellectual and physical potential to the enterprises making various goods and offering services; the investors putting the savings in different types of assets. Housekeeping in the conditions of market economy is not possible without use of money and formation of specialized funds for various purposes of households as they are one of the main participants of the distributive relations. But It should be noted, it is necessary to divide accurately the monetary relations and economic as households participate both in those and in others. Thus as the economic consider the relations arising between households and other participants of economic activity concerning formation and distribution of funds of money for speci