Household Debt and Aging in Japan-日本的家庭债务和老龄化

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英文文献：Household Debt and Aging in Japan-日本的家庭债务和老龄化
英文文献作者：Yuji Horioka, Charles,Niimi, Yoko
英文文献摘要：
In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a head in the 50-59 age group) in Japan do not have inordinate amounts of debt and that their financial health is satisfactory. However, we also find that households with a head in the 30-39 age group have shown a sharp increase in debt holdings in recent years, due partly to the fact that tax breaks for housing purchase, reforms in the housing loan market since the early 2000s, and expansionary monetary policy enabled Japanese households to purchase housing at a younger age than they could previously. We therefore need to monitor the borrowing behavior of this cohort over time as the Bank of Japan normalizes its monetary policy, especially since households have become more vulnerable to rising interest rates as the share of households who have chosen variablerate housing loans has increased in recent years.

在本文中，我们将日本家庭的借贷行为与其他七国集团(G7)国家进行比较，并按户主的年龄分组进行分析。我们发现，日本的退休前家庭(户主年龄在50-59岁之间的家庭)没有过多的债务，他们的财务健康状况令人满意。然而,我们还发现家庭在30 - 39岁年龄段显示近年来国债急剧增加,部分原因是,税收减免住房购买,改革住房贷款市场自2000年代初以来,和扩张性的货币政策使日本家庭购买住房比之前他们可以在年轻的时候。因此，随着日本央行将其货币政策正常化，我们需要监测这一群体的借贷行为，特别是由于近年来选择可变住房贷款的家庭比例增加，家庭在利率上升时变得更加脆弱。

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