日本的儲蓄模式

1、都菲菲李葉嬌李佳$日本的儲蓄模式日本的儲蓄模式$ Savings refers to the output or income for the remainder after consumption, in the national income accounts, savings is a kind of balance, namely unexpended income. It is not only the personal behavior, is also a result of the overall economic operation. Savings are usually

2、classified as national saving, government saving, enterprise savings and household savings$ Before twentieth Century the beginning of the 90s Japan was one of country has highest saving rate on the world$ High saving rate for Japans economic growth effect is very great, first of all, savings funds i

3、s one of the main channel of bank funding sources; secondly, the government fiscal investment and savings is the main source of funding and financing; third, the high savings rate to meet the demand of enterprise exuberant investment for capital equipment. Therefore, the high savings rate is often r

4、eferred to as the Japanese economic high growth engine$ But since twentieth Century the beginning of the 90s, Japans national savings rate significantly changed. $ Japans saving rate change has a typical characteristic is, since twentieth Century 90 time begin to Japanese national savings rate of de

5、cline in the household saving rate is much sharper than the national savings rate decline$ 1980 2009 年日本家庭儲蓄率和國民儲蓄率走勢圖$ 1975 to 1985, , it ranked first 1975, ranking second 1980 and 1985, second only to Italy. But after has decreased year by year, 1990, the Japanese had fallen to tied for fourth, 20

6、00, fell further to tenth. The 1991 annual Japanese household savings rate of 15% 2002 year, this figure has dropped to 6.2%. This is the lowest household savings rate since 1980. 2009, Japans household savings rate is only slightly higher than 2%, the OECD ranking still very after leaning, ranked f

7、ourteenth.$ From 2005 to the beginning of the aging of the population in Japan and fewer children has more than Italy, to become the worlds aging population problem is the most serious countries. On the one hand is the income of labor population decline, resulting in the overall rate is reduced; on

8、the other hand is on deposit for students aged population increase, this will inevitably lead to the private savings further decreased. The aging of the population will make the government spending is increasing, lower government savings rate, thereby reducing the national savings rate. Japans aging

9、 population will make the savings rate inevitably declining. $From the figure, it is not difficult to see that, in 1991 the total dependency ratio the lowest around Japan, the savings rate reached the highest level. Later, as the dependency ratio gradually increased, the savings rate is decreasing year by year$ Analysis of the causes of the change rate of Ja