BANK MANAGEMENT STRATEGIES REGARDING THE ATTRACTION OF POPULATION SAVINGS BASED ON THE "FINANCIAL SITUATION OF THE ROMANIAN HOUSEHOLDS" POLL

Ileana Gabriela Niculescu-Aron, Constanta Mihaescu and Raluca Caplescu

Revista Economica, 2012, vol. Supplement, issue 1, 564-572

Abstract: Financing economic recovery is mainly based on the household sector savings, thus anti-crisis governmental programmes should be based on rigorous knowledge regarding saving and consumption behaviours. Selective studies allow for obtaining quick and pertinent results regarding these behaviours. The present study is based on a poll designed for assessing the level of financial education and financial situation of the population, and their impact on savings and preference for various saving instruments. We conclude that, although the financial situation of the population was worsening, saving potential still exists. However, the low level of trust in the banking system determines households to keep their savings in cash.

Date: 2012
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