Introduction
There is a growing number of people who have such ideas in Japan. According to a survey by the Bank of Japan, the average savings amount of young people between 20 and 34 were about 180 million yen, which is 15 percent higher than 10 years ago. Why do young people actively save money as recession and declining birthrate? In this paper, we analyze the background of the situation in Japan.
1.Economic crisis consciousness: the prelude from anxiety
1.1 Employment anxiety and income uncertainty
Japanese young people are increasingly anxious about the employment and income stability due to the prolonged recession and the increase in non regular employment. About 40 percent of youth work in non regular employment, and the wage growth is slow, and the risk of dismissal is always conscious. For this reason, we have a tendency to accumulate savings for future uncertainty.
1.2 fear of social security
Anxiety about the future of social security systems such as
アダルトグッズ, medical care and nursing care also affects young people's savings behavior. When I become an old man, I can't live alone with my pension. I think that I can accumulate savings and guarantee future life from the idea that I can't bear medical expenses when I suffer from a big illness.
2. The cost of living costs
2.1 high cost of housing expenses and child care expenses
Housing expenses have been rising mainly in cities such as Tokyo and Osaka. The average rent for young people is about 80000 yen a month, and there are not many cases occupied more than 30% of the income. Also, for young people who think about marriage and childcare, a huge expenditure such as children's educational expenses and childcare fees is waiting. In order to prepare these future spending in advance, young people have been forced to put aside savings and save money.
2.2 spending restraint
The tendency of "low desire society" advocated by Kenichi OMAE has permeated into the youth. The tendency to avoid the wasteful expenditure of lowering the material desire and buying luxury goods and going to luxurious travel has strengthened. It is easier to increase spending and to restrain expenditures because of the consumption concept of "cheap and practical".
3.The transformation of values: the pursuit of stability more than ownership
3.1 "value of life"
Although the former generation had a strong sense of "
寝バック a dream" and "using money for self actualization", the current youth has a tendency to make a "stable living" a top priority. The number of people who think "more stable income than high status" and "peaceful daily life" is increasing. Therefore, the act of restraining wasteful spending and accumulating savings is naturally born.
3.2 "smart consumption" and customization of savings
Young people tend to use the Internet to collect information, compare prices, and use coupons. Moreover, the custom of savings has been established among young people by the education of the home and the school, and the sharing of the saving with the SNS. With the idea that we can achieve a big goal in the future, we accumulate a small amount of savings every day.
Conclusion
The background of Japan's youth preference is that there are many factors such as economic unrest, high cost of life, and conversion of values. This trend can be said to be a proof of responsibility for the future, but it can also lead to sluggish consumption and affect economic growth. From now on, it is important to improve employment and social security systems to reduce the anxiety of young people.
