年齢階級別貯蓄率：2019年全国家計構造調査を用いた推計

This paper estimates saving rates by age group in case of Japan using 2019 National Survey of Family Income, Consumption and Wealth（ NSFICW）. NSFICW is a large-scale survey with sample size of about 48,000 households for consumption expenditure and about 92,000 households for household revenue. We usually have saving rates of households, but those of individual are needed to investigate the effects of the decreasing birthrate and aging population on the average saving rates of macroeconomic level. This paper estimates the saving rates by age group. Some assumptions of transfers of income within a household are set. The results show the appropriate patterns of saving rates for age group, which are consistent to the life-cycle hypothesis. The saving rates of age after the middle 30s until 50s are in the rage between 30 to 38 percent. Then the rates drop after retirement. The rate over 75 years old is 1.3 percent. We also fi nd that the gap between retirement age and the starting point of public pension benefit brings drop and back of saving rates at the age of 60s.

論説 (Articles)