SOME ASPECTS OF THE FUNCTIONING OF PERSONAL FINANCE IN THE MODERN BEHAVIORAL ECONOMIC SYSTEM
DOI:
https://doi.org/10.32782/city-development.2026.2-19Keywords:
personal finance, personal financial resources, human capital, constitutive principles, regulatory principles, behavioral economicsAbstract
The article substantiates the theoretical and methodological principles of the formation of personal finance as a fundamental category of modern financial thought. The paradigmatic transition from traditional analysis to the study of a new economic level of financial relations is investigated. A retrospective analysis of the evolution of financial theories is carried out, proving that the integration of behavioral and institutional approaches has made it possible to identify a person not as a passive bearer of a social role, but as an active subject of financial relations. The conceptual apparatus is systematized, the categories of «personal finance» and «household finance» are delimited on the basis of legal status and target orientation. Special attention is paid to the development of a hierarchical system of principles (constitutive and regulatory) that determine the viability of personal financial activity. The results of the study confirm that the development of personal finance is a prerequisite for the accumulation of human capital – a key marker of sustainable economic development of the state.
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Copyright (c) 2026 Олена Наголюк, Лариса Васюренко, Ярослав Ковальчук
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