生活経済学研究
Online ISSN : 2424-1288
Print ISSN : 1341-7347
ISSN-L : 1341-7347
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38 巻
選択された号の論文の18件中1～18を表示しています
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  • 消費における行動ライフ・サイクル仮説の検証
    塚原 康博
    原稿種別: 本文
    2013 年 38 巻 p. 27-38
    発行日: 2013/09/30
    公開日: 2016/11/30
    DOIhttps://doi.org/10.18961/seikatsukeizaigaku.38.0_27
    ジャーナル フリー
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    This study centred on the behavioral life cycle hypothesis as the hypothesis which explains consumption behavior and examined whether this hypothesis is valid in reality by using a questionnaire given to undergraduates. The results of our analysis showed that the behavioral life cycle hypothesis is valid. The behavioral life cycle hypothesis assumes that people have an account of current income, an account of current asset and an account of future asset in their mind and consume according to each account. Actual human beings are different from the human beings of standard economic theory because they are myopic and their ability to calculate is limited. Therefore, it pays to bind their myopic behavior which attaches greater importance to the present than to the future. The device to do this is mental accounting. People open their current asset account and future asset account in their mind to put a brake on their consumption. Because of their limited ability to calculate, people adopt a simple rule that the number of account is limited to a few.
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  • 個人年金保険の銀行窓販に関する一視点
    畔上 秀人
    原稿種別: 本文
    2013 年 38 巻 p. 39-51
    発行日: 2013/09/30
    公開日: 2016/11/30
    DOIhttps://doi.org/10.18961/seikatsukeizaigaku.38.0_39
    ジャーナル フリー
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    This paper reports the effects of income, assets, bequest motives, and new distribution channels on individual annuity sales in the 47 prefectures of Japan in the 2000s. Both the number and value of new contracts grew rapidly until FY 2006. The ban on over-the-counter sales of individual annuity at banks was removed in October 2002. Thus, our empirical analysis investigates relationships between the per capita number of new contracts for individual annuity provided by domestic insurance companies and several explanatory variables, including the prefectural income per capita, the labor force participation rate of the elderly, the percentage of the homeowners, the amount of outstanding bank deposits per capita, the number of individual life insurance in force per capita, the "relative number of bank branches" in a region, the average life expectancy, and the Herfindahl Index calculated for the value of individual annuity contracts in force. The relative number of bank branches in a region is defined as the products of the logarithm of the bank branch density and the logarithm of the population per bank branch. The results from the OLS regression show that the relative number of bank branches positively affected the number of new contracts after FY 2003. The bank deposits and the number of life insurance in force also had the same effects.
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