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Gain of contributions in banks and securities, 2 % of the income in the form of cash

Roubles and 22 % in the form of cash dollars and other foreign currency. Last size is represented to the most disputable. Volume of savings in

To currency it is estimated by Goskomstat on the basis of the data about total sale of currency

In exchange offices. If to accept this data it will appear that for years of reforms

On hands at the population has accumulated 170 billion dollars or 40 % of all cash

Dollars out of bank system of the USA that looks improbable. At To official norm of savings for 6 years of reforms at the population should

To collect (taking into account depreciation and a share of incomes of the population in the national

The income) the sum equal approximately to half of annual gross national product.

Let's understand, such estimations on an example of 1997 Almost are how much real

40 % of the currency bought for a year have been back changed for roubles, almost as much

It is taken out abroad by "shuttles", about 10 % it is taken out by tourists. Thus,

The real gain of savings in cash currency has made only 3 % of the personal

Incomes (schedule 2 see), and the general sum of cash currency saved up for 6 years

On population hands it is estimated in 20-25 billion dollars.

Schedule 2: Structure of use of personal incomes in 1997

On schedule 3 the relation of all saved up savings of the population is presented

To the average monthly income. Apparently, now saved up Savings at the population do not exceed three monthly incomes (displaying Savings rich on all population). For comparison, in the USA of savings The population would suffice"more than for 2 years. Actually it means that It is impossible to consider unorganized savings as "a free resource" - They a part of system of buffer savings (except as at the richest groups), Family economy necessary for normal functioning. Cash Currency savings 10 times less on what it would be possible To count at 25 % to norm of savings though make a considerable part Population accumulation. And those cash roubles which are on hands

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