We found a match
Your institution may have rights to this item. Sign in to continue.
- Title
Modeling Deposit-Withdrawal Behavior with Risk Tolerance.
- Authors
Takemura, Toshihiko; Kozu, Takashi; Kobayashi, Tetsuro
- Abstract
In this study, we model and analyze individual's withdrawal behavior with risk tolerance. Consequently, it is found the followings: 1) effects of psychological factors such as degree of trust in information sources and degree of risk aversion are not uniformly against individual's deposit-withdrawal behavior, 2) the probability that they carelessly withdraw their deposits tends to be lower if individuals correctly understand Japanese deposit insurance scheme, and 3) annual income affects individual's depositwithdrawal behavior, but total amount of his/her deposit and the number of accounting do not affect it. From these findings, we propose that the government and financial institutes implement the measure which promotes to let understand Japanese deposit insurance scheme to depositors.
- Subjects
JAPAN; INFORMATION resources; DEPOSIT insurance; FINANCIAL institutions; BANK insurance
- Publication
Journal of Management Policy & Practice, 2012, Vol 13, Issue 5, p116
- ISSN
1913-8067
- Publication type
Article