消費者から見た銀行窓販：サーベイ調査による窓販ユーザーの特性分析, WHAT KIND OF PEOPLE PURCHASE FINANCIAL PRODUCTS AT BANK ?: SURVEY ANALYSIS ON CHARACTERISTICS OF BANK USERS

隆則 近藤, 洋子 白須 and 隆司 三隅

No G-2-3, Working Paper Series from Hitotsubashi University Center for Financial Research

Abstract: 本研究は，アンケート調査によって得たデータから，銀行窓販で各種金融商品を購入した個人の特性を分析した．明らかになった銀行窓販ユーザーの特性としては，第１に，彼らはリスクのある各種金融商品をも疑似的な預金と見做す傾向が見られた.またそれは銀行の影響力によるというよりは個人の主体的な選択の結果であった．第２に，リーマン・ショック期には個人投資家にも国債への資金逃避が起きていた可能性が示唆された．, Using the data obtained through a questionary survey, we analyzed characteristics of people who purchase various financial products at bank. What we found are as follows. First, there was tendency that they conceived various products as pseudo-deposit. But we didn’t find evidence that this tendency was brought by the influence of bank where they bought products. Second, during the Lehman shock period, people shifted their money from other products to government bond, especially those who had held time deposit shifted their money drastically to government bond.

Pages: 52 pages
Date: 2014-09
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