Effects of Contractual Savings Scheme on Slovak National Economy  

作　　者：Julius Golej Miroslav Panik 

机构地区：[1]Institute of Management, Slovak University of Technology, Bratislava 81243, Slovak Republic

出　　处：《Journal of Civil Engineering and Architecture》2014年第10期1266-1273,共8页土木工程与建筑（英文版）

摘　　要：Abstract： Contractual savings scheme is specific purpose saving, which was provided in Slovakia since 1993. It is a state-supported saving, the purpose of which is to finance housing needs in the Slovak Republic. Savers can be an individual, association of owners or legal person who enters into a contract with building society or for whom the contract about contractual savings scheme is concluded. State bonuses is contractual savings scheme, a significantly more attractive form of targeted saving. This ensures the supply of investment in the construction sector, which in turn through multiplier effect significantly affects other sectors of the national economy. In this article, the authors deal with the influence of contractual savings scheme to the national economy of the Slovak Republic. The main objective of this study is describing the effectiveness of state bonuses for contractual savings scheme. It is simulated through the impact of contractual savings scheme on employment, on public funds and impact on public finances. This effect is illustrated on a model of state subsidizing of each one Euro spent through the state bonuses for contractual savings scheme and its impact for the national economy with offsetting the significant role of the multiplier effect.

关 键 词：National economy contractual savings scheme multiplier effect housing sector housing financing. 

分 类 号：F114.41[经济管理—国际贸易] F124[经济管理—世界经济]