The risk of socio-economic vulnerability depends not only on the risk of climate hazards occurring but also on society’s vulnerability to such hazards, coping capacity, and adaptive capacity. The World Risk Index methodology was used to assess the risk of socio-economic vulnerability of municipalities in the Tyumen region to climate-related hazards. Three groups of indicators were identified for calculating the socio-economic vulnerability risk: susceptibility, coping capacity, and adaptive capacity. Indicators in each group were selected based on official statistics. As a result, the risk of the realization of climate hazards and the risk of socio-economic vulnerability for the municipalities of the Tyumen region were ranked. Based on the results of ranking, the municipalities were divided into five groups. These groups had similar characteristics regarding socio-economic vulnerability indicators. The spatial analysis allowed for the identification of two clusters of municipalities with the highest level of socio-economic vulnerability due to a high risk of realization of climate-related hazards. Policy recommendations were proposed based on a spatial analysis of the risk of socio-economic vulnerability across municipalities and the analysis of socio-economic vulnerability indicators.

The successful functioning of the national economy is largely determined by the stability of its banking system. The article is aimed at studying the features of credit and savings behavior of the population based on the reporting data of the Central Bank of Russia and Rosstat for the period 01.02.2011 – 01.08.2020. It is proposed to characterize the features of such behavior based on an analysis of the relationship between the volumes of deposit and credit transactions of the population. The theoretical part of the article considers various aspects of determining the behavioral approach to savings: bank contribution, as a form of realization of investments; conservation as a form of reaction to instability; appeal to the bank as part of the fight against the economic crisis, etc. In the practical part of the study, using comparison and graphical analysis methods, 3 periods of transformation of these types of population behavior were identified based on a change in the relationship between the volume of debt on loans and the volume of deposits. Absolute parameters of marginal sizes of fluctuations of indicators of deposit and credit transactions for use in prognostic purposes were evaluated. The value of the deposit volume shift was calculated, which ensured a reduction in the size of the negative balance of deposit and loan operations in the domestic banking system during the crisis of 2015–2016, which contributed to the stability of this system. The analysis of the compared indicators showed the comparability of the dynamics of the change in the ratio of deposits and debt on loans with the dynamics of the average per capita monetary income of the population. The study revealed a stable increase in the volume of deposits of the population in most monthly indicators, which allows us to expect the stability of the banking system of Russia in terms of a balanced subsystem of deposit and credit operations.

In the context of artificial restrictions on Russia’s access to world financial markets, the importance of internal factors for ensuring the dynamic development of the national economy, including temporarily free funds of the population placed in bank deposits, is significantly increasing. In this regard, it is important to identify how stable the trends in credit and savings behavior of the Russian population are, which determines the relevance of the research topic. The purpose of the paper is to identify trends in the credit and savings behavior of the Russian population in order to formalize the explanatory factors for its assessment. In the course of the work, methods of literature analysis, abstraction and aggregation, graphical comparison, index calculation, correlation analysis were used. The results of the study in terms of the development of the theory of financial behavior of the population consist of the development of an approach to identifying long-term behavioral trends based on information on the volume of debt on loans and deposits of the population for the period 2011-2024. Practical results are: periodization of active and passive behavior of depositors and borrowers; identification of phases of changes in savings and credit behavior of the population; calculation of limit boundaries of corridors within which they were formed. An empirical study based on the developed theoretical approach made it possible to draw conclusions about the presence of stable trends in the savings and credit behavior of the Russian population during this period, which mainly demonstrates a long-term active growth in the volume of deposits and debt on loans, as well as the relative narrowness of the corridors within which both indicators developed. The population of Russia adheres to an adaptive type of both types of behavior. At the same time, the stability of savings behavior is more pronounced than credit behavior, which can be explained by the greater rigidity of the population to the factor of experiencing the status of the depositor than to experiencing the status of the debtor.