turanВестник университета «Туран»Bulletin of "Turan" University1562-29592959-1236Университет «Туран»10.46914/1562-2959-2024-1-1-267-279turan-3857Research Article3 ТРИБУНА МОЛОДОГО ИССЛЕДОВАТЕЛЯ3 PLATFORM OF YOUNG RESEARCHERВлияние пенсионных накоплений и развития экономики на динамику банковских депозитовThe influence of pension savings and economy development on the dynamics of bank depositshttps://orcid.org/0000-0002-8551-0573КанЛ. E.KanL. E.

Докторант.

Алматы

PhD student.

Almaty

21220835@turan-edu.kzhttps://orcid.org/0000-0003-0223-8242Мухамедьярова-ЛевинаT. Т.Mukhamedyarova-LevinaT. T.

К.э.н., профессор.

Алматы

C.e.s, professor.

Almaty

t.mukhamedyarova-levina@turan-edu.kzhttps://orcid.org/0000-0003-1054-6640БекбосиноваА. С.BekbossinovaA. S.

Постдокторант.

Алматы

Postdoctoral student.

Almaty

assel.bekbossinova@narxoz.kzhttps://orcid.org/0000-0002-7682-2727КрединаА. A.KredinaA. A.

Постдокторант.

Алматы

Postdoctoral student.

Almaty

anna.kredina@uib.kzУниверситет ТуранКазахстанTuran UniversityKazakhstanУниверситет международного бизнеса им. К. СагадиеваКазахстанUniversity of International Business named after K. SagadiyevKazakhstanЕвразийский технологический университетКазахстанEurasian Technological UniversityKazakhstan20243103202401267279Copyright © Кан Л.E., Мухамедьярова-Левина T.Т., Бекбосинова А.С., Кредина А.A., 20242024Кан Л.E., Мухамедьярова-Левина T.Т., Бекбосинова А.С., Кредина А.A.Kan L.E., Mukhamedyarova-Levina T.T., Bekbossinova A.S., Kredina A.A.Данная работа распространяется под лицензией Creative Commons Attribution 4.0.This work is licensed under a Creative Commons Attribution 4.0 License.https://vestnik.turan-edu.kz/jour/article/view/3857

В этой статье представлена комплексная методологическая основа, предназначенная для изучения сложных взаимосвязей между пенсионными накоплениями, экономическим ростом и банковскими депозитами за период с 2014 по 2022 гг. Целью данного исследования является освещение сложной динамики, влияющей на финансовое поведение и решения домохозяйств. Посредством тщательного статистического анализа исследование направлено на раскрытие нюансов закономерностей и тенденций в этих взаимодействиях. Результаты исследования существенно подтверждают гипотезу 1. Это подчеркивает существенное влияние пенсионных накоплений на увеличение банковских депозитов. Этот вывод не только подчеркивает важность понимания этой динамики в контексте современной финансовой ситуации, но также имеет значение для стратегического финансового планирования. Признание связи между пенсионными накоплениями и ростом банковских депозитов предполагает потенциальные возможности для оптимизации финансовых стратегий и политики. И наоборот, отказ от гипотезы 2 указывает на то, что ВВП (валовой внутренний продукт) оказывает незначительное влияние на рост банковских депозитов. Это подчеркивает сложную и многогранную природу нынешнего взаимодействия между экономическим ростом и индивидуальными банковскими предпочтениями. Понимание, полученное в результате этого отказа, способствует более тонкому пониманию факторов, влияющих на финансовые решения, предлагая ценные перспективы для навигации по развивающейся финансовой сфере. Проведенное исследование способствует более глубокому пониманию многогранных факторов, которые формируют финансовые решения. Выявленные взаимосвязи между пенсионными накоплениями, экономическим ростом и банковскими депозитами дают ценную информацию как политикам, финансовым учреждениям, так и частным лицам, предлагая основу для принятия обоснованных решений на постоянно меняющемся финансовом рынке.

This article presents a comprehensive methodological framework designed to explore the complex relationships among pension savings, economic growth, and bank deposits over the period spanning from 2014 to 2022. The objective of this study is to illuminate the intricate dynamics that influence household financial behavior and decisions. Through rigorous statistical analyses, the research seeks to uncover nuanced patterns and trends within these interactions. The confirmed findings of the study provide substantial support for Hypothesis 1. This underscores the significant impact of pension savings on the increase in bank deposits. This finding not only highlights the importance of understanding these dynamics within the context of contemporary financial landscapes but also carries implications for strategic financial planning. The recognition of the link between pension savings and the escalation of bank deposits suggests potential avenues for optimizing financial strategies and policies. Conversely, the rejection of Hypothesis 2 indicates that GDP (Gross Domestic Product) exerts an insignificant influence on the growth of bank deposits. This emphasizes the intricate and multifaceted nature of the current interplay between economic growth and individual banking preferences. The insights gained from this rejection contribute to a nuanced understanding of the factors shaping financial decisions, offering valuable perspectives for navigating the evolving financial terrain. In conclusion, the article contributes to a deeper understanding of the multifaceted factors that shape financial decisions. The identified relationships between pension savings, economic growth, and bank deposits provide valuable insights for policymakers, financial institutions, and individuals alike, offering a foundation for informed decision-making in the ever-changing financial landscape.

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The authors declare that there are no conflicts of interest present.