今日，損害保険契約の申込みの際に，保険契約者が選択できる保険料支払方法は多様化している。その中で，による保険料の支払いは，その決済手段固有の機能を活用した契約締結手続き等に関する一連の業務が，合理化・効率化に主眼を置く損害保険会社の事業戦略と合致したこと，および，が個人商取引における決済手段として，その市場規模の拡大を続けたことを主たる要因として，損害保険市場における家計保険分野の保険料支払方法として一定の普及をみている。
そして，払いの保険料支払方法としての性質は，損害保険制度の機能発揮と保険契約者の合理的期待に適う普遍的要素を持ち合わせていると判断できる。

抄録全体を表示

　現金利用時に比べ, キャッシュレス決済利用時に支払いに伴う心理的な負担が小さく, 生活者はつい使いすぎてしまう傾向にあることが, これまで多く指摘されてきた. 一方, 使いすぎが過度に生じた場合, 生活者は家計を安定的に管理できなくなることも考えられる. このため, 生活者がキャッシュレス決済利用に伴う自身の行動特性を把握し, 家計を健全に保ちつつキャッシュレス決済の利便性を享受していくためには, このようなキャッシュレス決済利用に伴う個人の支払傾向の変化の特徴について知見を深めていくことが期待される. これを踏まえ本稿は, セルフコントロール能力とキャッシュレス決済の利用経験が, キャッシュレス決済利用時の支払意思額に与える影響について検討したものである. 検討の結果, セルフコントロール能力が

やデビットカード利用時の支払意思額に与える影響については確認できなかったものの, やデビットカードの利用経験が, ポイント還元等の特典がない場合であっても, やデビットカード利用時の支払意思額を高めることが分かった.

抄録全体を表示

The purpose of this study is to investigate the state of living for over-indebted people and offer suggestions to solve their financial problems. A survey was made at three different periods, 1995, 1996 and 1997. The findings of the survey are as follows :
1) Sixty-five point three percent of bankrupts were either jobless, part-time workers or housewives, whose income was not large enough to support their living. Basically, their problems were linked with poverty in society and ineffective social security system.
2) Initially, their debts were not so large and they thought they would be able to pay back their debt easily. However, high interest rates increased their debt.
3) The way creditors collected their money was merciless as well as illegal; repeated phone calls to debtors' place of work (72.4%), early morning or midnight phone calls (44.8%), or visiting the relatives who were not sureties (37.9%).
4) To cope with the above-mentioned problems, it is suggested, first, that high interest rates and overloans must be strictly regulated, and second, public counseling centers should be established in every prefecture to help over-indebted people.

抄録全体を表示

The purpose of this study is to clarify the socio-economic background of over-indebted people in Okinawa. What was clarified was compared with that in 46 prefectures of Japan.
The findings of this study are :
1) The rate of bankruptcy has been increasing in Japan, and the average rate of bankruptcy in 1996 was 7 times greater than in 1989. In Okinawa, however, bankruptcy rate increased 21.4 times during the same period. As for the number of cases resulting in court mediation, the increasewas 43.9 times greater.
2) The choice of bankruptcy does not seem an easy wayout for all over-indebted people; once they go legally bankrupt, their debt is automatically transferred to their surety, who are in most cases their next of kins such as aged parents or children. It is also found, on the other hand, the blood tie, the easier it is to find surety, i.e, more likely it is for the amount of debt to increase.
3) The increase of bankruptcy or court mediation in Okinawa may be attributed to the high unemployment rate (highest in Japan), the average income (lowest in Japan), and the large number of financing companies.

抄録全体を表示

Study to investigate the credit use Of American students (AS),Japanese students (JS)and Japanese bankruptcies (JB), and then to develop a credit use education program Results: 1. Higher possesion rate of credit cards in AS than JS.(AS:882%,JS:37.5%,JB:73.7%) 2. The major disadvantage of credit card use for AS is having to pay high interst rates.(25.0%)Only 3.7% of JS pay attention to interest rates.92.9% of JB frequently used their card to pay their debts, despite a very high lending interest rate of around 30%. To promote awarenss of interst is necessary for Japanese. 3. The major reason AS obtain credit cards is to establish good credit rating.Only 2.3%of JS answered that obtaining it would establish good credit rating.We have to emphasize to JS the building of a good credit history. 4. AS read the contract more carfully than Js, but When they have obtained the credit card they are more likely to buy goods without planning, or buy mOre expensively. JB have same tendency as AS. Generally JS pay no attention to the contract, but they use credit cards more carefully than AS We have to teach AS how to use credit cards carefully and teach JS the importance of the contract 5. The sum of occurrences of low salary, sickness, or an unexpected accident in the causes of bankruptcy was 52.60/。 .To decrease bankruptcy, it is essential to overcome poverty problems in society

抄録全体を表示

近年, 各種交通サービスでは, 多様な料金支払方法が提供されており, 特に現金を取扱わない支払方式が普及しつつある. ここで, 現金を取扱わない支払方法には, カード破産に見られるように, 費用意識を希薄にさせる効果が考えられ, 支払方法の違いによって価格感度の差異が存在する可能性が予想される. そこで, 東京圏の私事目的の鉄道経路選択行動を対象に, 利用者の運賃に対する感度が, 支払方法によって異なるという仮説を立て, その検証を行った. アンケート調査データに基づいて鉄道経路選択に関するMNLモデルを推定し, 支払方法間で価格感度を統計的に比較した結果, その感度は, プリペイドカード保有者層と非保有者層とでは変わらないこと, ならびに選択する支払方法の異なる乗車区間の間では, ある程度異なる可能性があることが明らかとなった.

抄録全体を表示

や電子マネー、デビットカード、QR コード、スマートフォン・アプリ（以下アプリ）を介しての送金など、現金以外のさまざまな支払い手段が利用され始めているが、においては、未だ現金での支払いが優勢である。その理由としてさまざまな社会的な要因が指摘されているが、生活者自身がどのような理由で支払い方法を選択しているか、という生活者の心理については明らかになっていない。
そこで、本研究では10 名の生活者へインタビューを行い、グラウンデッドセオリーアプローチを援用し分析した。その結果、生活者が支払い方法を決定するためには共通のプロセスが存在していること、さらに、支払い行動については４パターンの行動原理があることを明らかにした。最後に、キャッシュレス社会に進展していくためのサービスデザインの要件提案を行なった。

抄録全体を表示

Many of the previous studies in economic sociology have regarded credit cards as tools which cultivate consumerism and facilitate excessive spending or indebtedness. In light of those previous studies, two issues were examined: (1) the link between consumerist attitudes and credit card possession or usage; (2) the effect of credit card possession on consumer spending. Using the data from the survey on financial behaviors conducted in Japan, we verified the hypothesis that credit cards encourage hyperconsumption. A total of 1,823 subjects responded to the survey. Logistic regression and quantile regression analyses were used for the verification. 　Our results showed that credit card possession and single payment were positively correlated with the “rational” consumer attitude which is cost-conscious, calculating and frugal. Meanwhile, credit card possession pushed up monthly household spending slightly. Therefore, these results suggested the possibility that while consumers are possessing and using credit cards with the intention to save money, credit cards make them spend a little more.

抄録全体を表示