-日本人の現金・貯金好きの国民性-The national character of Japanese people who like cash and savings

家計の金融資産構成を世界と比較すると、
日本人は現預金の比率が圧倒的に高い。

2022年8月日本銀行調査統計局が発表した【資金循環の日米欧比較】によると、家計の金融資産における現金・預金の比率は日本が54.3%、欧州34.5%、米国13.7%となっている。
※「信用2.0」堀江貴文　朝日新聞出版　参照

それでは、米国や欧州では他に何が占めているのか？
それは、株式や投資信託、保険・年金などです。
特に米国では、39.8%が株式、12.6%が投資信託、28.6%が保険・年金。
欧州では、19.5%が株式、10.4%が投資信託、31.9 %が保険・年金。

一方、日本では10.2%が株式、4.5%が投資信託、26.9%が保険・年金。
老後2000万円問題などニュースで取り上げられていたように、これからマネーリテラシーや投資の知識、お金に対する考え方などさらに重要になっていきそうですね。

それではまた。
ありがとうございました。

Comparing the composition of household financial assets with the rest of the world,

 Japanese people have an overwhelmingly high proportion of cash and deposits.

 According to the [Comparison of Japan, the United States, and Europe in Flow of Funds] released by the Research and Statistics Department of the Bank of Japan in August 2022, the ratio of cash and deposits in household financial assets is 54.3% in Japan, 34.5% in Europe, and 13.7% in the United States. there is

 *Refer to "Trust 2.0" Takafumi Horie, Asahi Shimbun Publishing

 So what else is there in the US and Europe?

 These include stocks, mutual funds, insurance and pensions.

 Especially in the US, 39.8% are equities, 12.6% are investment trusts, and 28.6% are insurance/pensions.

 In Europe, 19.5% are equities, 10.4% are mutual funds, and 31.9% are insurance/pensions.

 In Japan, on the other hand, 10.2% are stocks, 4.5% are investment trusts, and 26.9% are insurance/pensions.

 It seems that money literacy, knowledge of investment, and the way of thinking about money will become even more important in the future, as was featured in the news such as the 20 million yen problem after retirement.

 See you soon.
 Thank you very much.