Influence of financial sustainability of households on default risks of regulated banks

Zuhra Yergasheva, Saltanat Kondybayeva, Ryszhan Kabylkairatkyzy, Gulmira Yesengeldiyeva

E3S Web of Conferences, 2020

Full text Open access: Gold Metadata (CSL-JSON)

DOI 10.1051/e3sconf/202015905015

Data confidence 70 medium

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Abstract

The purpose of the article is to assess the financial sustainability of the household sector of the Republic of Kazakhstan and its impact on the real and financial sector in the context of minimizing the credit risks of the regulated banks of the Republic of Kazakhstan. The paper analyzes various points of view on assessing the financial sustainability of the household sector, makes a successful attempt to assess at a macroeconomic level the financial sustainability of households and the drawing potential of households in Kazakhstan using the OECD and IMF methods. The work made a holistic analysis of the financial condition and solvency of households in Kazakhstan, a forecasted VAR-model for assessing the impact of household financial sustainability on the state of the real sector of the economy has been developed; a regression model for assessing the impact of financial stability of households on the financial sector of Kazakhstan has been developed.