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All listed above transformation were made within the limits of the concept
The personal income, accepted by Goskomstat. However it is necessary to estimate still influence
On norm of savings of several additional factors out of these frameworks. One
From such factors are delays of payment of wages. They represent
Itself a certain form of compulsory savings, the original credit
To the enterprises and the state. At an estimation of the personal income on a balance method,
The debts gain under the salary should increase to savings and,
Hence, to the income, and debts repayment - to be taken away.
And savings it is possible to consider as one more type of income the made incomes from
Currency course changes. Because the exchange rate of the majority of the firm
Currencies grows, rouble value of savings in cash currency increases.
As the currency bought one year ago can be sold today on it to the price,
It is necessary to consider this difference as the income similar to the percentage income and
To add it to savings. At the general insignificance of these two kinds
Savings it is possible to allocate some periods when the neglect them could
Will deform an overall picture. Delays with the salary were appreciable in 1994 and in 1996
Years, and incomes of exchange rate change - in the beginning of 1995
Recently in publications of the Central Bank has appeared two more
New indicator connected with population savings. It is volume of credits
To the population and a rouble estimation of currency contributions of physical persons. The gain contribution
Credits in a total sum of the personal income for 1997 did not exceed 0,4 % and hardly
Influenced the general dynamics of savings. Volume of currency contributions of the population, on
To the data on the beginning of 1998, we will compare to rouble contributions to the commercial
Banks. By our estimations, the gain of these contributions for last year was less than 1 %
The sums of personal incomes, but their ignoring can lead further
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