The importance of money where they stand. Essay on the topic of money. Features of the manifestation of the role of money in different models of the economy

02.09.2020

Many people think about the role of money in the life of a modern person and the question of whether it is possible to be happy with a small income? A modern person cannot deny himself the pleasures that life offers. Everyone wants to dress well, eat well, live in a nice apartment, and drive a nice car.

Many guardians of morality, repeating the hackneyed truth that happiness is not in money, are somewhat cunning.

It is surprising that those who or who:

The salary is not lower than 70,000 rubles per month, and they do not agree to anything less.
He believes that they need an unmeasured amount of money for very important things, the expediency and usefulness of which is under a big question mark.
We are sure that other people can get by with a meager amount or deserve much more modest means than they do. An extremely idiotic attitude, which at one time greatly flourished in society, and now, fortunately, has weakened the grip of human brains - the opinion that someone is obliged to do something for free, while even saying “thank you” is not necessary.
They have a bunch of movable and immovable property, fattening, getting high, breaking away on money earned in dubious ways. Such people (if they can be called people) got it into their heads that only they are the navels of the earth, worthy of living well, and the rest are people from the "lower" society. So they tell people from the "lower" society that happiness is not in wealth ah, although they themselves cannot imagine their happiness and their lives without these benefits.
deeply religious people.

This article will not focus on the above categories of citizens. Here are arguments about the meaning of money in modern society and for a single person in the context of vital necessity. It is told that there is money for the average person, what opportunities they give and how you can rationally manage them. So.

Money. What is known about them?

The history of money begins even before our era, during the heyday of great civilizations. Previously, people simply exchanged the necessary things according to the principle “you - to me, I - to you”, but then banknotes appeared, for a certain amount of which it was possible to become the owner of the desired thing.

Money is a system of measures designed to establish the material, moral or intellectual (scientific) value of something or someone. Now for money you can become the owner of anything: everything is sold and everything is bought. Whether this is good or bad, it is impossible to say for sure. On the one hand, recalling the recent Soviet past, it is clear that people lived by communist principles and fought for the idea, believed that socialism would destroy evil on Earth, that everything should be equal for everyone, etc. Yes, under the Soviet structure of the economy it was permissible and even necessary to think and propagate these dogmas in society.

But times have changed: communism has been replaced by market capitalism, and sometimes gangster capitalism (unfortunately). There is already no money, as they say, neither here nor there. It's just that society's misfortune now is that a huge gulf (and even an abyss) has appeared between the rich and the poor. There is middle class, but it is not enough. Or insanely rich or poor. Two extremes. It shouldn't be like that. When all people will be able to live with dignity, but without frills, and officials will stop stealing - this is a philosophical and rhetorical question.

The value of money for modern man

Some people find it very difficult to prove that money and moral qualities are compatible. It all depends on upbringing and on the values that were instilled in a person, as well as on diligence and perseverance. If a person has earned money by his many years of painstaking work and was able to acquire some material goods, there is nothing wrong with that. On the contrary, it is wonderful that a citizen achieves everything himself and does not expect help from anyone, including from the state. But human envy is a bad and useless thing.

Money is given to a person:

Prosperity: you can buy everything you need and want.
Independence: acquire and do what you want.
Opportunities: live within your means, allowing yourself a little or a lot more.
Status: certain money allows you to acquire and do certain things, to enter certain circles.
Confidence: there are all sorts of situations and difficulties in life, but 95% of them can be solved with the help of money.
Freedom: choice, desires, aspirations.

Moral values have been and will remain so, but it is better when there is something to buy food, an apartment, clothes, medicines than to be hungry, homeless, undressed and without life-saving treatment. For a worthy and intelligent person, money can provide an opportunity for self-realization and self-improvement, opportunities for development and self-affirmation (in a good way). You can do charity work, sports, purchase equipment and expendable materials for your hobby. For example, according to the most conservative estimates, it costs 10,000 Russian rubles to start skiing for one person: this includes the skis themselves, poles for them, bindings, ski boots, i.e. the most necessary equipment. If an employee has a salary of 20,000 rubles, then it is unlikely that he will give half of it to a sporting goods store for the sake of his aspiration to be a skier. So the poor fellow has only to dream of skiing, sighing heavily at night and feeling inferior.

It is clear that the question of a salary of 20 thousand should be asked to politicians rather than to ordinary people, but only such a sad example about skis understands the need for money (and, preferably, not quite small ones) in life.

And how many marriages broke up due to lack of money! For example, the family has nowhere to live. If it is not possible to buy a separate apartment, and you have to live with your parents, many conflict situations: both between spouses and between parents and spouses. So, love is good, but you must have a material basis before creating a family.

Rational spending of money

Rationality and prosperity are concepts for everyone. For some, even 500,000 a month is not enough, and someone manages to live on 30,000 and save for something they want. However, there general principles rational use monetary benefits:

Clearly understand how much money you need for necessities of life. These items include food, rent, travel expenses, medicines, tuition fees (if any);
How much money can you spend on your favorite activity;
How much it is possible to save a month for the desired thing (when you need to save up and immediately purchase something, there is no way).

You can end the article with the phrase with which it began: "Happiness is not in money." Only with the obligatory continuation: “but with them it is somehow easier to realize that happiness is not in them.” Money will not bring 100% happiness, but it can make a person a little happier.

Mankind has been using money for a long time. Money was invented in order to be able to pay for paid labor for the right product.

Each person has their own attitude towards money. For some, money is an indicator of well-being and the receipt of all life's blessings. For others, it's a means of survival. But everyone earns money with what he can do, and spends it on what he needs for life: food, clothing, entertainment, hobbies and more.

There are people who believe that everything can be measured with money, and for them the amount of cash is an indicator of a person’s success. They tend to buy branded items, because it is now at the peak of popularity, or because they really want to have something that others do not have. There is no limit to the imagination and whims of rich people. and such people cannot always understand people who are less well off financially, but richer spiritually, people who can spend their last money to make a pleasant surprise for a loved one or buy a ticket to a concert of their favorite artist.

Money was invented by a person so that they would help him live, and not so that a person becomes a slave to money. Unfortunately, without money it is impossible to exist in today's world. Perhaps only in some distant tribe cut off from civilization. Sometimes people go to great lengths for money: a crime, a deceit, or a heroic deed.

But it is not enough to have money, you need to be able to spend it correctly. There are people who do not know how to manage money and spend it for nothing, for their own pleasure, not knowing that these finances are earned by hard work. Such people can constantly get into debt, and this infringe on themselves and their relatives in a full-fledged existence.

There are also wealthy people who believe that with the help of money you can get everything, and they are not interested in what and how will be done in order for them to “secure” their whim.

If a person has ever faced a financial need, then this can affect his life in different ways. For some, this is a lesson for life, and they strive to work in such a way as to provide for themselves and their relatives, for others, it is an impetus to become more aggressive and take revenge on everyone for their financial failures.

Money can serve both for the good and for the harm of a person. You need to learn to treat money as a means of subsistence, and not as the goal of your whole life, and do not forget that there is still spiritual wealth in the world. Money is supposed to serve a person, and not vice versa.

Essay money in our life

Money and its importance in human life. For all people, money is very important. The availability of funds is a kind of independence, freedom of choice. You can choose almost everything and the more money a person has, the better his choice. With the help of wealth, one can improve living conditions and rise to a new social level.

Money is a kind of energy that a person needs for self-realization. But with all the advantages of material wealth, money still remains just a means of payment. It is impossible to buy truly important human values, such as health and sincere feelings, with them. People can even commit a crime for material gain.

If initially, money was invented as an alternative to commodity exchange, today they appear as a means of interpersonal communication. Humanity has become slaves who see nothing but how to earn as much money as possible. Thoughts about their insufficient quantity constantly oppress the thoughts and soul of a person. Over time, reflections on enrichment are thoroughly fixed in the life of the individual and psychological dependence begins.

I believe that such excessive love will not lead to anything good. A person should have as much money as he would have enough for a normal life, and not just existence. Money earned in youth and maturity should ensure a comfortable life in old age. People began to forget that money should serve people, and not vice versa. The essence of life on earth lies not only in material prosperity, but also in spirituality. I cannot say that any one of these values prevails, however, today it is impossible to live without money, since you have to pay for everything in the world and you cannot live without kindness, morality, love of neighbor and faith.

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THE ROLE OF MONEY IN MODERN SOCIETY

Bezuglova Kristina Dmitrievna

3rd year student, Department of Entrepreneurship and World Economy, SSAU, RF, Stavropol

Agarkova Lyubov Vasilievna

scientific director, Doctor of Economics Sciences, Professor, SSAU, Russian Federation, Stavropol

The topic of money is relevant always and in all industries. modern economy because every day we all face money. Money for many people constitutes the main value measure and is a universal equivalent, money can be exchanged for any product, work, service, or intangible benefits, they are used as an intermediary that makes the process of market exchange more convenient and accessible. Consider the situation in the agro-industry. Today one can observe an increase in prices for gas, oil and other energy carriers, and this is precisely what is a considerable support for the Russian economy, which is still a resource-based economy. Currently, agricultural imports are about - 25 billion dollars, and exports today - 5 billion. The given values negatively affect the market of agricultural producers. Similar structures are also influenced by such indicators as the general increase in prices in the market and the rise in the cost of energy resources. Therefore, it should be noted that money in such a case can make it possible to evaluate the effectiveness of the functioning of the economic mechanism, and money can also act as a link connecting agricultural producers with other market entities.

In banking, absolutely new role plays the transformation of savings into investments. And the development of credit relations helps to save time and labor for the subject economic relations, as well as increasing the availability financial services for the population.

Money today can serve a variety of payment relationships, which include labor. This function basically ensured the widespread development of the credit system. Money in the world market can ensure the movement of capital between countries. Money can serve the realization and production of social capital through the system cash flows between sectors of the economy, industries and regions of the country. These flows are organized by the state, economic entities and, to some extent, by individuals, while the turnover of the value of the social product begins and ends with the owner of the capital.

In modern market conditions, the effectiveness of the use of a currency depends largely on the stability of its monetary unit, that is, on the constancy of the exchange rate and the presence of a tendency to increase it.

The role of money in the modern innovative world, or "technotronic civilization", can be compared with the genetic code in the field of life. But if the genetic code is a creation of nature, then money is a human creation, and this is one of the main manifestations of its genius.

Without the existence of money, people would still be at the stage of primitiveness. Also, modern society literally in a matter of time passes to the lowest degrees of degradation, as soon as money is canceled in it.

Among the main functions of money in society, we single out the following: firstly, money can regulate production; second, money is the regulator of consumption; thirdly, money as a measure of a person's social utility; fourthly, money as a stimulant scientific and technological progress, fifthly, the ecological function of money. The main types of modern money: banknote, electronic money, checks, credit cards.

At different times, people's attitudes towards money have changed, and this is confirmed by the data of a sociological survey for 2012. Thanks to this study, it is possible to trace how the role of money in the life of Russians has changed compared to the Soviet period and what money is for a modern person. (Fig. 1).

Figure 1. Sociological data

After analyzing the data, we can conclude that each person continuously strives for more highly paid position, even though it causes additional stress and may make them less happy. While in the Soviet period, the main measure of happiness for people were spiritual values. Survey participants completed tests in which they had to choose either high salary, or a comfortable lifestyle, which is usually with the concept of happiness. In the course of the study, it turned out that modern people value money more than their own peace. These data can also be associated with the fact that at present, for many, it is money that is a “pass” to the world of comfort and pleasure. The amount of money today is an indicator of success.

Today, in a market economy, many services, goods, Natural resources and the ability of people to work acquire a monetary form. A completely different role of money in contrast to simple money commodity production is to convert them into money capital, or self-increasing value. Today, as before, money plays a certain role in society, but it is different from the role of money of past periods.

Figure 2. The role of money in modern society

Money is a social form of wealth. According to Engels, “only through money is the wealth of an individual realized as social wealth”

Development monetary relations contributed to the development of banking, trade, and also stimulated businessmen and entrepreneurs to expand the scope of production of goods, increase the range of goods and services that are circulating on the market. To date, the Central Bank of Russia has registered more than 2,144 credit institutions, including the vast majority - banks are about 2,000, and the rest - non-bank credit institutions.

Thus, at present, money plays an important role, this can be seen by analyzing the functions of money. Today it is worth paying attention to money, primarily as a money capital and an instrument for regulating the economy, due to the fact that it is with the help of the development of credit relations that a great complication can occur not only in the structure, but also in the essence of money, as well as the growth of functional features, complication quality characteristics. Money is a special indicator of the state of the country's economy as a whole, for this reason it is especially important for the state to develop an effective monetary policy.

Bibliography:

1. Belotelova N.P., Belotelova Zh.S. Money. Credit. Banks: textbook. allowance. M.: Publishing and Trade Corporation "Dashkov and Co", 2011. - 484 p.

2.Galitskaya S.V. Money. Credit. Finance: textbook. allowance. M.: Eksmo, 2008. - 736 p.

3. Zhukov E.F., Zelenkova N.M., Litvinenko L.T. Money. Credit. Banks: textbook. allowance. M.: Unity - Dana, 2009. - 704 p.

4. Kazimagomedov A.A., Gadzhiev A.A. Money. Credit. Banks: textbook. allowance. M.: Omega-L, 2009. - 560 p.

5. Kuznetsova E.I. Money, credit, banks: textbook. allowance. M.: unity-dana, 2009. - 528 p.

6.Nureev R.M. Development economics. Models of the formation of a market economy: textbook. allowance. M.: Eksmo, 2012. - 640 p.

7. Shchegoleva N.G., Vasiliev A.I. Money and monetary circulation: textbook. allowance. M.: Higher education, 2009. - 144 p.

In today's world, there is no greater power than money. Money unleashes wars and ensures the well-being of entire countries and regions. Because of money or with the use of money, the vast majority of crimes are committed. And at the same time, thanks to money, people create the greatest inventions, perform feats, discover new lands and conquer new worlds.

Money organizes modern society and the state. The life of modern people, states and the entire world community is subordinated to money.

Money is an outstanding achievement of mankind. They created modern civilization. Without money, a person would still dress in animal skins, and as a labor force would use animals or their own kind, turned into slaves.

How could a person go into space, create artificial intelligence and other wonders of modern civilization, if there was no money.

Two of the greatest inventions of man created modern civilization. The first is writing, which singled out man from the animal world and created the possibility of accumulating experience and knowledge and passing them on to descendants and other people without direct human contact. The second is money. Money has created the ability to manage the activities of man and society in terms of ensuring their benefits without the direct impact of people on each other.

The role of money in history has constantly increased, and now our civilization has reached a state where their value has become totally decisive. A hundred, even fifty years ago, there were large human communities who did not know money or used it in their Everyday life extremely limited. The end of the 20th century is the era of complete and total "moneyization" of the entire human community. In the modern world, a person cannot do without money in the same way as without water, air and food. In today's society, a person who does not have money is literally doomed to death, and in the shortest possible time. He can walk around a city full of food stores and starve to death if he has no money.

Or another example. Imagine large plant, equipped modern equipment, where skilled workers and other specialists, raw materials, and the products of this enterprise are expected by consumers. And yet the enterprise stands still and does not work. And the reason is just that there are no numbers in some mysterious banking computer - there is no money on the company's account.

Even the desert, “watered” with money, will bloom and turn into a garden of Eden. And the most beautiful place for life, devoid of money, will become a vale of sorrow and suffering.

What the life of people in the modern world without money turns into is clearly seen in the example of Kampuchea during the time of Pol Pot. Three million dead - such is the price of the experiment to eliminate money.

Society can be controlled either by force or by money.

We know very well from our own experience how the mechanism of social and economic life is destroyed when the monetary system is disturbed. The consequence of this was the general crisis of the country, which engulfed the state, economic, social, legal and other spheres of life.

Money for us is a way to express our aspirations, fulfill obligations, achieve revenge and retribution. The secret power of money binds us all - brothers and sisters, young and old - with bonds of love and envy, pity and malice.

Money does not leave anyone indifferent. Some are convinced that if they had more money, their life would be much better, and they would be able to find happiness. Others who have a lot of money seem to be constantly preoccupied with how to get more of it, how to spend it and not lose it. Money does not leave anyone indifferent, and it is hardly possible to find a person who would be satisfied with how much money he has and how he uses it.

The poor have very different concerns than the rich, but family conflicts generated by money are often very similar in different socioeconomic strata. For most of us, money is so deeply woven into our lives that the problems associated with it affect our health, our intimate relationships, and our relationship with our children and parents. This is a problem that is always with us.

Money is not just cash that allows us to buy different things. With money, you can buy education, health, security. You can buy time to enjoy beauty, art, the company of friends, adventure. With money, we help those we love and give our children greater opportunities. With money, you can buy goods and services or save such an opportunity for the future or for your descendants. Money is an instrument of justice by which we make amends for the harm done to others. Equitable distribution of money in the family and in society ensures equal opportunities for all. Money can serve as a symbol of all that is good in life: material wealth, education, health, beauty, entertainment, love and justice.

Although we know how many good things in life are connected with money, each of us is well aware of the problems that they create. Money worries can cause a lot of grief. Wealth often seems to bear the stamp of a curse and brings more misfortune than joy. Many of us give in to the bitterest despair because we earn too little, or we are afraid that because of the lack of money, we or our children will be bad. Money is not only a symbol of all the good things in life, but also the root of all our problems.

Everyone understands that money is often the cause of happiness or sorrow, but in almost all walks of life there is a general taboo on any talk about our personal relationship with money. It is considered bad form to talk about how much it costs, who earns how much and who has how much money. Therefore, money very rarely becomes a topic of open discussion between parents and children, husband and wife, brothers and sisters, friends, and even between a therapist and his patient.

Money is a kind of energy, the driving force of our civilization. A similar situation arose in the course of human development only recently; it was not always so. In the past, the source of energy that fueled the interactions between people was the land or cattle, or slaves, or natural resources (water, salt, iron), or weapons. And although people have always used one thing as the main source of energy - one thing or one natural resource - none of these things or resources could turn into the colossal mechanism that money is in our time - the only thing that permeates all aspects of human life and is the main element of modern culture. Today, money is the energy that drives the world.

Money is something dirty. Freud was the first to realize that money has a hidden meaning. However, he saw only their negative side. For him, money symbolized excrement and was associated with something disgusting and despicable. Perhaps that is why it is not customary to talk about money in most sections of society.

Freud rebelled against the hypocrisy of the mainstream religion of the Victorian era, with its condemnation of what was considered the "lower" part of human nature: the body, sexuality and material desires. He broke the taboo that forbade considering sex as an important part of human life. However, Freud did not do the same with money, perhaps because he believed that the desire for money was not an original, infantile impulse, or perhaps because in Freud's time money had not yet become the universal source of energy that it is today, - the only symbol that personifies any desire.

The taboo that keeps money from taking its place in our understanding of human nature is still in place. Even therapists who have no hesitation in touching on all sorts of issues related to sex and power rarely touch everything that has to do with money. They offered little to no wisdom on how to view the important role of money in personal development. Most people don't even think of consulting a therapist when they are overwhelmed by financial conflicts. However, disagreements over money cause perhaps more marriages to fail than for any other reason. Resentment based on money is probably the most important of all the problems that create estrangement between parent and child, brother and sister.

For today's world, money means the same thing that in the Middle Ages meant the salvation of the soul. The most important wars of the 20th century were not fought over religion, but over money. The question remains: is there a place for spirituality in our modern understanding of people? And if so, how does spirituality relate to money?

In the past, the relationship between our spiritual obligations and material desires was regulated by organized religion. As spirituality ceased to be an important element of our "I", our sense of self became increasingly determined by material desires, greed and addictions. The balance was upset, and material urges got out of control.

Today, money is the main reflection of the material world, that "base" world, the roots of which are rooted in the physical needs of our body, in desires and fears. Spirituality is a reflection of our best qualities, the ability to feel sorry for others, the "higher" world of searching for the meaning of life, striving for unity and community.

Money can also be one of the elements that make manifestations of spirituality possible. They allow us to sympathize, pay tribute, "love your neighbor." However, the pursuit of money for selfish purposes is contrary to spiritual values. Where is the line between loving yourself and loving others? The answer to this question means the resolution of the dilemma of our dual nature.

In today's society, as a bargaining chip that serves to satisfy all desires, money is the energy that moves the world. The desire for money reflects the desire to own a Porsche (namely a Porsche, not just a car to drive); the need to have a country house (namely a country house, and not just a roof over your head); the need to feast on cakes and sweets (and not just satisfy hunger). The desire for money is an artificial need that personifies all other artificial needs - to be slim and beautiful, and not just healthy and strong; be influential and admired, not just have Good work; the need to communicate thoughtfully, and not just have a good time.

These are all artificial needs, and the symbolic desire for money personifies an irresistible desire for their satisfaction. In exchange for all these things, we offer our bodies, our time, our love, and our peace of mind.

In the lives of many people, money is the main bargaining chip of love. When we love someone, we try to get something from him and at the same time give him something. This duality of purpose is what makes the problems of love so complex. Money also affects our character, making us either selfish or altruistic. But if you can love and be loved at the same time, then when it comes to money, we often have to choose between selfishness and altruism.

For each of us, money is a special inner world, a hidden life that may not manifest outwardly. Inside each of us, perhaps, there is a secret miser or philanthropist. We are tormented by tormenting feelings of guilt or unsatisfied desires. Happiness and sorrow are part of the secret meaning of money. Everyone relates to money in their own way, and for many of us this attitude determines the nature of all our other relationships. We have seen that the secret meaning of money can be refracted in various dimensions and has a wide range of manifestations, up to the most extreme. For example, money can be used to express hostility or love, to help or exploit people. The nature of our relationships with others depends on what exactly we want to express through money.

What is now being said at all meetings of parliament and government, at meetings with the president, in tens of thousands of newspaper articles, in numerous television programs ... about the lack of money.

But if you think about it, it cannot but cause surprise. Ten years ago, the country's budget was characterized by sums of tens of billions of rubles, and at the same time there was constant talk about the lack of money. Now the account in the budget goes to hundreds of trillions. And again we hear about the catastrophic lack of money. And if the budget will be millions of trillions. Interestingly, then they will say that there is enough money. Until recently, we received salaries of one to two hundred rubles and were satisfied. Now even a pensioner receives thousands of rubles and complains about the lack of money. And if he gets a hundred million, are we sure that he will become richer.

Thus, the matter is not at all in the amount of money, but in something completely different. The point is, first of all, in the system of functioning of money. And the amount of money in itself is a secondary issue.

That is why it is important to know and understand how money functions in modern society.

Unfortunately, this knowledge is often hidden from society. People who control society with money are not at all eager to share their knowledge in this area with the public. On the contrary, myths are specially created in this area and disinformation is being prepared, public attention is diverted to all sorts of secondary issues from truly important points.

money credit check

THE ROLE OF MONEY IN MODERN SOCIETY

Bezuglova Kristina Dmitrievna

3rd year student, Department of Entrepreneurship and World Economy, SSAU, RF, Stavropol

Agarkova Lyubov Vasilievna

scientific director, Doctor of Economics Sciences, Professor, SSAU, Russian Federation, Stavropol

The topic of money is always relevant in all sectors of the modern economy, since every day we all face money. Money for many people constitutes the main value measure and is a universal equivalent, money can be exchanged for any product, work, service, or intangible benefits, they are used as an intermediary that makes the process of market exchange more convenient and accessible. Consider the situation in the agro-industry. Today one can observe an increase in prices for gas, oil and other energy carriers, and this is precisely what is a considerable support for the Russian economy, which is still a resource-based economy. Currently, agricultural imports are about - 25 billion dollars, and exports today - 5 billion. The given values negatively affect the market of agricultural producers. Similar structures are also influenced by such indicators as the general increase in prices in the market and the rise in the cost of energy resources. Therefore, it should be noted that money in such a case can make it possible to evaluate the effectiveness of the functioning of the economic mechanism, and money can also act as a link connecting agricultural producers with other market entities.

In banking, a completely new role is played by the transformation of savings into investments. And the development of credit relations contributes to saving time and labor for the subject of economic relations, as well as increasing the availability of financial services for the population.

Money today can serve a variety of payment relationships, which include labor. This function basically ensured the widespread development of the credit system. Money in the world market can ensure the movement of capital between countries. Money can serve the realization and production of social capital through the system of cash flows between the spheres of the economy, industries and regions of the country. These flows are organized by the state, economic entities and, to some extent, by individuals, while the turnover of the value of the social product begins and ends with the owner of the capital.

Among the main functions of money in society, we single out the following: firstly, money can regulate production; second, money is the regulator of consumption; thirdly, money as a measure of a person's social utility; fourthly, money as a stimulator of scientific and technological progress; fifthly, the ecological function of money. The main types of modern money: banknote, electronic money, checks, credit cards.

Figure 1. Sociological data

After analyzing the data, it can be concluded that everyone continuously strives for a higher paying position, even if it causes additional stress and may make them less happy. While in the Soviet period, the main measure of happiness for people were spiritual values. Survey participants passed tests, during which they had to choose either a high salary or a comfortable lifestyle, which is usually with the concept of happiness. In the course of the study, it turned out that modern people value money more than their own peace. These data can also be associated with the fact that at present, for many, it is money that is a “pass” to the world of comfort and pleasure. The amount of money today is an indicator of success.

Today, in a market economy, many services, goods, natural resources and the ability of people to work acquire a monetary form. A completely different role of money, in contrast to the money of simple commodity production, lies in its transformation into money capital, or self-increasing value. Today, as before, money plays a certain role in society, but it is different from the role of money of past periods.

Figure 2. The role of money in modern society

Money is a social form of wealth. According to Engels, “only through money is the wealth of an individual realized as social wealth”

The development of monetary relations contributed to the development of banking, trade, and also stimulated businessmen and entrepreneurs to expand the scope of production of goods, increase the range of goods and services that are circulating on the market. To date, the Central Bank of Russia has registered more than 2,144 credit institutions, including the vast majority - banks are about 2,000, and the rest - non-bank credit institutions.

Thus, at present, money plays an important role, this can be seen by analyzing the functions of money. Today it is worth paying attention to money, primarily as money capital and an instrument for regulating the economy, due to the fact that it is with the help of the development of credit relations that a great complication can occur not only in the structure, but also in the essence of money, as well as the growth of functional features, complication quality characteristics. Money is a special indicator of the state of the country's economy as a whole, for this reason it is especially important for the state to develop an effective monetary policy.

Bibliography:

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