北京市におけるケース・スタディに見る中国市民の所得、資産、貯蓄動機

抄録

A case study was conducted between 2004 and 2007 on the incomes, assets and motives for savings of Chinese living in Beijing. The study tested whether the hypothesis about the life cycle or permanent income model could be applicable to the savings behavior of the sampled Beijing citizens. The study found that they save more when their incomes are higher as well as when their temporary incomes are higher and financial assets and market value of their residents negatively affect their savings. Retired citizens save less than household still working. Thus the hypothesis also can be applicable in a country under transition. According to this study, their motives for savings are driven not only by life cycle purposes, but also partially (around 25%) by bequest purposes. The bequest savings motive in China has been denied by previous studies.