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Sparer reagieren kaum auf Zinsänderungen

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Author Info

  • Martin Beznoska
  • Richard Ochmann

Abstract

Wie reagieren private Haushalte auf eine Veränderung der Verbraucherpreise oder des Zinsniveaus? Reduzieren sie gegenwärtigen Konsum und sparen stattdessen für die Zukunft, wenn Preise oder Zinssätze steigen? Oder lassen sie ihren einmal gewählten Konsumpfad unverändert? Nur wer die Antworten auf diese Fragen kennt, kann steuer- und sozialpolitische Reformen wie die Einführung einer Abgeltungsteuer, verbesserte steuerliche Abzugsmöglichkeiten von Altersvorsorgeleistungen oder Änderungen der Mehrwertsteuersätze richtig planen und ihre Wirkung prognostizieren. Die vorliegende Untersuchung analysiert das Sparverhalten privater Haushalte in Deutschland und zeigt, dass diese ihr Konsum-Spar- Verhalten zumindest kurzfristig kaum verändern, selbst wenn Schwankungen im Preis- oder Zinsniveau dafür monetäre Anreize bieten.

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File URL: http://www.diw.de/documents/publikationen/73/diw_01.c.373094.de/11-22-3.pdf
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Bibliographic Info

Article provided by DIW Berlin, German Institute for Economic Research in its journal DIW Wochenbericht.

Volume (Year): 78 (2011)
Issue (Month): 22 ()
Pages: 11-16

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Handle: RePEc:diw:diwwob:78-22-3

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Related research

Keywords: Consumption-savings decision; interest rate elasticity of savings; savings function; intertemporal QUAIDS;

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