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520_ECN228_Чингүүн.Г_бие_даалт.pptx
1.
Хадгаламж нь орлогоос хамаардаг уу? Г.Чингүүн B19FA1280
2.
ЭРЭГТЭЙ 41 <
59 ЭМЭГТЭЙ Хадгаламжтай хүмүүс их орлоготой байдаг гэж үү? Эсрэгээрээ хадгаламжгүй хүмүүс багыг олдог гэж үү? Үүнд боловсрол, ам бүлийн тоо нөлөөлдөг үү? Гэх мэт олон сонирхолтой асуултын хариултыг олохын тулд 100 хүнээс санамсаргүй байдлаар 12 асуулттай судалгааг авлаа. Ингээд та бүхэнд судалгааныхаа үр дүнг танилцуулья. 2 4 34 9 18 26 9 0 5 10 15 20 25 30 35 40 0-16 17-22 23-27 28-35 36-46 нас>46 насны А.Д-ийн гистограмм 6 31 56 7 0 10 20 30 40 50 60 сурагч оюутан хөдөлмөр эрхэлдэг хөдөлмөр эрхэлдэггүй нийгмийн статусын А.Д-ийн гистограмм
3.
Хадгаламжтай=69 31=хадгаламжгүй 3 1 3 35 33 7 0 0 10 20 30 40 бага суурь
бүрэн дунд бакалавар магистр доктор боловсролын түвшингийн А.Д-ийн гистограмм 2 11 24 30 19 14 0 5 10 15 20 25 30 35 1 2 3 4 5 нас>6 ам бүлийн тооны А.Д-ийн гистограмм 4 9 9 23 22 18 11 4 0 5 10 15 20 25 Өрхийн орлогын А.Д-ийн гистограмм 0 1000000 2000000 3000000 4000000 5000000 6000000 7000000 0 1 2 3 4 5 6 7 ам бүл ба орлогын хамаарлын цэгэн түгэлтийн диаграмм
4.
48 14 7 0 10 20 30 40 50 60 банк/хугацаатай банк/хугацаагүй мөнгөний
гахай Хадгаламжийн байршлын гистограмм 25 5 16 9 1 6 0 5 10 15 20 25 30 Хаан TDB Голомт Хас Ариг Төрийн банк банкны гистограмм 6 9 36 12 5 1 0 5 10 15 20 25 30 35 40 өдөр бүр 2 долоо хоногт нэг удаа сард нэг удаа улиралд нэг удаа хагас жилд нэг удаа жилд нэг удаа давтамжийн гистограмм 8 15 17 14 6 9 0 5 10 15 20 0-20k 20k-50k 50k-100k 100k-200k 200k-300k >300k нэг удаа хэдэн төгрөг-ийн гистограмм 14 1 7 9 0 20 хадгалж сураагүй хадгалах дургүй цалин бага зээлтэй хадгалдаггүй шалтгааны гистограмм
5.
“ Дундаж орлого 1’437’270₮ 5 2 6
6 13 17 13 9 3 0 5 10 15 20 Хадгаламжтай хүмүүсийн орлого 2 3 3 10 5 5 2 1 0 2 4 6 8 10 12 Хадгаламжгүй хүмүүсийн орлого 69 31 ДУНДАЖ НАС=30
6.
ДҮГНЭЛТ ⋆ . Нийт
судалгаанд хамрагдагсдын 69% нь хадгаламжтай, 31% нь хадгаламжгүй гэж гарч ирж байна. хадгаламжтай хүмүүсийн 90% нь ямар нэг банкинд мөнгөө хадгалдаг бөгөөд үлдсэн 10%(сурагчид) нь бэлэн байдлаар хадгалдаг бөгөөд банкинд данстай 90%-ийн хамгийн их сонгосон банкууд нь ХААН болон ГОЛОМТ банкууд байна. Яаж хадгалдгаас үл хамааран хүмүүс ихэвчлэн(36%) сард нэг удаа мөнгө нэмж хийдэг гэж дүгнэгдсэн. Харин нэг удаа хийх мөнгөний хэмжээ нь давтамжтай шууд хамааралтай байгаа юм. Жишээ нь сард нэг удаа хийдэг хүмүүсийн мөнгөн дүн нь дунджаар 100’000 төгрөг, улиралд нэг удаа хийдэг хүмүүсийн мөнгөн дүн нь дунджаар 250’000 төгрөг, харин өдөр бүр хадгалдаг залуусын мөнгөн дүн нь 0-20’000 ийн хооронд байна. ⋆ Харин хадгаламжгүй(31%) хүмүүсийн хадгалдаггүй шалтгаануудыг дурьдвал 45% нь хадгалж сураагүй, 29% нь зээлтэй, 22% нь цалин бага гэсэн байна. гэвч “хадгалж сураагүй” шалтгаанаас бусад шалтгаанууд бүгд няцаагдаж байгаа юм. Учир нь хадгаламжтай(61%) хүмүүс дунд ч мөн адил зээлтэй, бага орлоготой хүмүүс байгаа. Нэгийг дурьдахад л өрхийн сарын орлого нь 420’000-500’000 төгрөгний хооронд мөртлөө сар бүр 20’000-50’000 ийг хадгалдаг хүмүүс цөөнгүй байна. ⋆ Эцэст нь дүгнэхэд миний авсан түүврийн 3 хүн тутмын 2 нь хадгаламжтай байна. ⋆ “Хадгаламж нь орлогоос хамаардаг уу?” гэсэн асуултын хариулт нь “Үгүй, хамаардаггүй.” ⋆ Хадгаламжтай, хадгаламжгүй хүмүүс адилхан орлоготой , адилхан гэр бүлтэй, адилхан боловсролтой байгаа нь уг судалгаанд анзаарагдсан агаад орлого нь хадгаламжийн хэмжээнд л нөлөөлөх болхоос хадгаламжтай байх эсэх дээр огтхон ч нөлөөлдөггүй гэж дүгнэгдлээ. 6
7.
1,396,196₮ ДУНДАЖ ОРЛОГО 2020 оны
судалгаагаар өрхийн: ЭХ СУРВАЛЖ : ҮСХ /1212.mn/ 1,415,406₮ ДУНДАЖ ЗАРЛАГА 7
8.
хадгалах амархан 8 өөрийн чөлөөт цаг, дуртай зүйлсдээ зарцуулах . хадгаламж руугаа хийх байр,
хоол, унааны мөнгө, өр зээл зэрэг зайлшгүй гарах зардалдаа зарцуулах 20% 30% 50%
9.
9 БАЯРЛАЛАА АНХААРАЛ ХАНДУУЛСАНД
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