##日本高龄人士金融资产居高，防老和节省成主因
**东京** – 日本内阁府最新分析结果显示，80岁及以上老年人拥有较高水平的金融资产，包括储蓄和股票。这一现象背后的原因主要归结于防老意识和节省习惯。
内阁府根据总务省2019年的《全国家庭收支结构调查》，对各个年龄段的金融资产进行了分析。结果显示，80至84岁人士的平均金融资产为1564万日元，85岁及以上人士为1550万日元。虽然60至64岁年龄段的平均金融资产最高，达到1838万日元，但与80岁至89岁年龄段之间的差距仅为15%左右。
内阁府认为，高龄人士金融资产较多的原因主要有两点：
* **防老意识增强：** 随着寿命延长，老年人对长寿防老的担忧加剧，他们不愿动用金融资产，希望储备更多资金以应对未来可能出现的医疗和生活开销。
* **节省习惯：** 高龄人士往往有着节俭的生活习惯，他们倾向于将收入用于储蓄，而不是消费。此外，他们也希望将部分资产留给子女，以确保后代的未来。
内阁府还指出，高龄人士的节省习惯可能会给消费带来下行压力，进而影响经济发展。因此，日本政府需要制定和完善可持续的养老金制度，并充实税制，鼓励资金向年轻年龄段转移，以促进经济活力。
此次调查结果也反映出日本社会面临的人口老龄化问题。随着老年人口比例不断上升，如何保障老年人的生活质量，以及如何应对由此带来的经济和社会问题，将成为日本政府未来需要重点关注的议题。
英语如下：
##Elderly in Japan Hold Significant Wealth: Saving for Old Age Becomes aTrend
**Keywords:** Senior Assets, Saving for Old Age, Silver Wealth
**Tokyo** – A recent analysis by the Japanese Cabinet Office reveals that individuals aged 80 and above possess high levels of financial assets, including savingsand stocks. This phenomenon is primarily attributed to a strong awareness of aging and a culture of saving.
The Cabinet Office analyzed financial assets across different age groups basedon the Ministry of Internal Affairs and Communications’ 2019 “Survey on Family Income and Expenditure.” The results indicate that individuals aged 80-84 have an average financial asset value of 15.64 millionyen, while those aged 85 and above hold 15.5 million yen. Although the 60-64 age group boasts the highest average financial assets at 18.38 million yen, the difference betweenthem and the 80-89 age group is only about 15%.
The Cabinet Office attributes the significant financial assets held by the elderly to two main factors:
* **Increased Awareness of Aging:** With increasing life expectancy, the elderly are increasingly concerned about their financial security in their later years.They are hesitant to spend their assets and aim to accumulate more funds to cover potential medical and living expenses in the future.
* **Saving Habits:** Senior citizens often maintain frugal lifestyles and prioritize saving over spending. They also aim to leave a portion of their assets to their children, ensuring their future well-being.
The Cabinet Office also points out that the saving habits of the elderly may exert downward pressure on consumption, potentially impacting economic growth. Therefore, the Japanese government needs to establish and refine sustainable pension systems and enhance tax policies to encourage capital flow towards younger generations, stimulating economic vitality.
The survey results also reflect the aging populationchallenge faced by Japanese society. As the proportion of elderly individuals continues to rise, ensuring their quality of life and addressing the economic and social issues arising from this demographic shift will become key priorities for the Japanese government in the future.
【来源】https://nwapi.nhk.jp/nhkworld/rdnewsweb/v6b/zh/detail/20240820_ML07.json
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