生活経済学研究
Online ISSN : 2424-1288
Print ISSN : 1341-7347
ISSN-L : 1341-7347
29 巻
選択された号の論文の19件中1~19を表示しています
目次
論文
  • 佐野 美智子
    原稿種別: 本文
    2009 年 29 巻 p. 1-15
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    This paper presents an empirical analysis of the link between income and subjective satisfaction with one's financial situation. It is hypothesized that a household's financial situation has a direct effect on financial satisfaction as well as indirect effects mediated by evaluation of its financial situation, which is based on the comparison with the others and one's own past, aspiration level and consumption level. Structural equation modeling of data was used to test the causal model. The data come from the survey conducted in both Tokyo and Osaka metropolitan area of Japan (n=529). Married samples of both young age bracket 20-39 and middle age bracket 40-59 were used. The results reveal that relative evaluation of its financial situation is the most important for financial satisfaction among the young. On the other hand, among middle ager, financial situation in absolute term is the most important. The present survey results also show that there are more people who often compare their own financial situation with their friends among the young than other age bracket. Income disparity among the young has widened in late 1990s but satisfaction disparity has not widened so much, because relative income has more effect on satisfaction. Even if income disparity in absolute term had widened, the young would not be less satisfied if their friends as reference group had been in the same situation.
  • 小林 美樹
    原稿種別: 本文
    2009 年 29 巻 p. 17-31
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    In this paper we estimate the effect of income inequality on self-rated health in Japan based on two nationwide surveys. We confirm that prefecture-level income inequality affects self-rated health assessment by individuals, even after controlling for a set of both individual and regional factors. Especially, we find that income inequality have a substantial influence on the elderly and women. In addition, we examine the robustness of the estimation results by using other inequality measures than the Gini coefficient.
  • 久米 功一
    原稿種別: 本文
    2009 年 29 巻 p. 33-43
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    To examine the causality between subjective happiness of individuals and their earnings, we estimate effects of happiness on the earnings by using panel datasets. Specifically, following an empirical method proposed by Graham et al (2004), we used residuals of the happiness regression as unobservable subjective happiness to estimate earnings equations. The empirical results show that the degree of subjective happiness is determined by relative income position and prospect for the future, and that unobservable happiness can be regarded as cognitive biases which have different effects on earnings by gender and income levels. These evidences suggest that we need to pay more attention to prospect, relativity and unobservable happiness in the future happiness research.
  • 古島 義雄
    原稿種別: 本文
    2009 年 29 巻 p. 45-60
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    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.
  • 堀田 真理
    原稿種別: 本文
    2009 年 29 巻 p. 61-73
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    The regulations for consumer finance companies are more and more strengthen because of the amended law on money lending business. It focuses on the lowering of interest rates. As a result, a double standard for cap interest rates will be abolished; the Interest Limitation Law and the Deposit Interest Rate Law. However, the lowering of the ceiling rates is not always special regulations. That is because, the same restrictions are enforced until now. Some theoretical or empirical studies describe the effect of such regulations. Through the institution and the existing state, this paper focuses on not only the interest rate limitation but also the reorganization on the structure of the consumer finance market. In addition, this paper makes clear the implications through the existing theoretical analysis on the Japanese consumer finance market.
研究ノート
  • 伊藤 隆康
    原稿種別: 本文
    2009 年 29 巻 p. 75-85
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    By analyzing the branching patterns of deposit financial institutions in Osaka Prefecture, I find that post office locates branches in accordance with area, population, ratio of elderly people and the number of enterprise. Financial industries are divided into four groups: post office, private A (city bank, regional bank, trust bank and etc), private B (credit bank, credit union, labor bank), private C (Japan Agricultural Cooperatives). In comparison with other prefectures, the branching patterns in Osaka Prefecture have following two features. Private A shows significant positive sign in area, which is the first case. In the analysis of most prefectures, area shows significant negative sign. Private B shows significant negative sign in area, which is also the first case. These facts suggest that private A locates branches in wider area and private B locates branches in narrower area in comparison with other prefectures.
  • 大浜 賢一朗, 浅井 義裕
    原稿種別: 本文
    2009 年 29 巻 p. 87-100
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    The roles of public sector financial institutions have been great issues. We survey previous studies regarding state-owned banks in foreign countries and confirm that there is trend that a number of large state-owned banks are privatized. We empirically examine efficiency and productivity of public sector financial institutions in Japan and then find that efficiency of public sector financial institutions tends to be diverse at the later sample period. This result is consistent with the results of efficiency studies of other financial institutions in Japan. We also find that productivity of public sector financial institutions keeps improving during the sample period but the degree of improvement is different among public sector financial institutions.
  • 村上 真理
    原稿種別: 本文
    2009 年 29 巻 p. 101-108
    発行日: 2009/03/31
    公開日: 2016/11/30
    ジャーナル フリー
    This study examines the effectiveness of a marketing approach for cooperative system financial institutions by making operable the major structural concepts in relationship marketing. Relationship marketing, based on a long-term and consecutive relationship with the customers, has become a central issue in marketing. In addition, the constructive concept of relationship marketing shares many common features with the membership system philosophy of cooperative system financial institutions. In this study a hypothetical model is made based on the above being verified by using covariance structure analysis. The hypothetic model considers "trust" and "commitment" as latent variables. Other observed variables include the retention rate of members, the percentage of members, the characteristics of cooperative system financial institutions and normal business indexes. This analysis proves that the two concepts, trust and commitment, influence business indexes of savings and number of households using utilities to a great extent. It also demonstrates that between trust and commitment enough degree of influence was recognized to allow an interpretation based on customers' financial activities. The degree of influence of the items relating to the membership system was not fully detected; however, it is considered because of the special circumstance that members are aging. In conclusion, this paper shows that the relationship marketing approach is on the whole, very effective.
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