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Ersparnisbildung in Deutschland: Meßkonzepte und Ergebnisse auf Basis der EVS

  • Börsch-Supan, Axel

    ()

    (Sonderforschungsbereich 504)

  • Reil-Held, Anette

    ()

    (Mannheim Research Institute for the Economics of Aging (MEA) and Sonderforschungsbereich 504)

  • Rodepeter, Ralf

    (Sonderforschungsbereich 504)

  • Schnabel, Reinhold

    ()

    (Fachb. Wirtschaftswiss., Universität-Gesamthochschule Essen)

  • Winter, Joachim

    ()

    (Mannheim Research Institute for the Economics of Aging (MEA))

Eine der wichtigsten ökonomischen Entscheidungen des Haushaltes, die Aufteilung des verfügbaren Einkommens in Konsum und Ersparnis, wird durch die volkswirtschaftliche Theorie nach wie vor nur unbefriedigend erklärt. So zeigen z.B. viele Untersuchungen mit amerikanischen Daten, daß die Ersparnis „zu wenig“ auf Einkommensschwankungen reagiert, die sie nach der Theorie ausgleichen soll. Der erste Schritt zu einem besseren Verständnis der Ersparnisbildung ist eine adäquate Beschreibung des Sparverhaltens über den Lebenszyklus. Diese deskriptive Aufgabe erweist sich allerdings schon konzeptionell als schwierig. Ziel der vorliegenden Arbeit ist es zunächst, einen Rahmen für die konsistente Bestimmung von Ersparnis, Vermögen und Einkommen der privaten Haushalte zu entwicklen, der sich auf die Einkommens- und Verbrauchsstichproben (EVS) der Jahre 1978 bis 1993 anwenden läßt. Wir stellen dann die empirische Umsetzung dieser Meßkonzepte vor. Die beiden hier betrachteten Definitionen (Zu- und Abgänge im Vermögen bzw. Einkommen minus Ausgaben) ergeben sehr ähnliche Resultate für die Ersparnisbildung der privaten Haushalte in Deutschland. Wichtigstes Ergebnis ist eine im Mittel positive Sparneigung im Alter. Zwar zeigt sich ein deutlicher Rückgang der Ersparnis, doch bleibt die Geldvermögensbildung positiv.

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Paper provided by Sonderforschungsbereich 504, Universität Mannheim & Sonderforschungsbereich 504, University of Mannheim in its series Sonderforschungsbereich 504 Publications with number 99-02.

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Length: 62 pages
Date of creation: 01 Jan 1999
Date of revision:
Handle: RePEc:xrs:sfbmaa:99-02
Note: Financial Support from Deutsche Forschungsgemeinschaft, SFB 504 at the University of Mannheim, is gratefully acknowledged.
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  1. Rodepeter, Ralf & Winter, Joachim, 1998. "Savings decisions under life-time and earnings uncertainty:," Sonderforschungsbereich 504 Publications 98-58, Sonderforschungsbereich 504, Universität Mannheim;Sonderforschungsbereich 504, University of Mannheim.
  2. Fachinger, Uwe, 1998. "Die Verteilung der Vermögen privater Haushalte: Einige konzeptionelle Anmerkungen sowie empirische Befunde für die Bundesrepublik Deutschland," Working papers of the ZeS 13/1998, University of Bremen, Centre for Social Policy Research (ZeS).
  3. Martin Browning & Annamaria Lusardi, 1996. "Household Saving: Micro Theories and Micro Facts," Discussion Papers 96-01, University of Copenhagen. Department of Economics.
  4. Reinhard Hujer & Bernd Fitzenberger & Reinhold Schnabel & Thomas E. MaCurdy, 2001. "Testing for uniform wage trends in West-Germany: A cohort analysis using quantile regressions for censored data," Empirical Economics, Springer, vol. 26(1), pages 41-86.
  5. Deaton, Angus, 1985. "Panel data from time series of cross-sections," Journal of Econometrics, Elsevier, vol. 30(1-2), pages 109-126.
  6. James M. Poterba, 1994. "International Comparisons of Household Saving," NBER Books, National Bureau of Economic Research, Inc, number pote94-1, May.
  7. Borsch-Supan, Axel, 1992. "Saving and Consumption Patterns of the Elderly: The German Case," Journal of Population Economics, Springer;European Society for Population Economics, vol. 5(4), pages 289-303.
  8. Anette Reil-Held, 1999. "Bequests and Aggregate Wealth Accumulation in Germany," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan, vol. 24(1), pages 50-63, January.
  9. James M. Poterba, 1994. "Introduction to "International Comparisons of Household Saving"," NBER Chapters, in: International Comparisons of Household Saving, pages 1-10 National Bureau of Economic Research, Inc.
  10. Rodepeter, Ralf & Winter, Joachim, 1998. "Savings decisions under life-time and earnings uncertainty : empirical evidence from West German household data," Papers 98-58, Sonderforschungsbreich 504.
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