Scientific publications

The forecasting and the regulation of the behavior of economic actors suggest the need for formal models of their appetite for risk. In this article was made an attempt to analyze the peculiarities of perception of risk by individuals and legal entities in relation to the banking sector. The influence of the level of risk and the existence of a risk premium on its perception during the placement of personal and corporate savings, as well as the possibility and limitations of transferring conclusions about the behavior of actors to other economic spheres were showed. The identified characteristics should be taken into account for the formation of the institutional space, in particular, for the development of mechanisms that encourage public-desired behavior and the effective flow of temporary idle monetary resources.