ANALYSIS OF SAVING BEHAVIOR IN ROMANIA, BASED ON THE "FINANCIAL SITUATION OF THE ROMANIAN HOUSEHOLDS" SURVEY

Emergence from recession and economic recovery in the EU countries are complex processes that imply massive investments aimed at capital (human, physical and financial) productivity increase. The issue of finding financing funds is crucial and the solutions are not many, since they can only come from internal or external savings. External sources are very restrictive and expensive, thus, the chances of economic recovery mostly depend on national savings. The main sector of a national economy that is saving is the household sector and for this reason the saving and consumption behaviour are of utmost importance for the financial stability of a country. Therefore, the anti-crisis and economic recovery governmental programmes should include financial policies that stimulate savings, based on an as rigorous knowledge of these behaviours as possible. Pertinent results in the analysis of the saving behaviour of the households may be quickly obtained with the help of data from selective studies. To this purpose, the aim of this paper is to identify the leverages for attracting population savings in bank deposits, starting from the results of a survey that took place during 1-15 October 2011 on a sample of 1800 respondents, constituted with quota sampling.