THE ANALYSIS OF THE HUNGARIAN HOUSEHOLDS’ SAVINGS

The aim of our research is to observe and analyse how the preferred saving forms changed since the transformation and what kind of changes have been there in the amount of the savings. The amount of savings is largely influenced by the aggressive marketing activities of the banks and by governmental regulations like the interest tax since September 2006. We started our research with the concept of savings that have been analysed by many well-known economists during the last decades. In the 80’s the net financial savings of the households were practically zero and at the end of the 80’s it became negative. Nowadays 14 percent of the households have their savings in short term debits and this is still the most popular form in Hungary. The interest towards other instruments of investments –shares, shares based investment funds, other funds and bonds – is still lower and the rate of the ones using pension funds is 8 percent.