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Unterscheiden sich West- und Ostdeutsche in ihrem Anlageverhalten? Empirische Evidenz auf Basis von Bankdaten

Author

Listed:
  • Michael Berlemann
  • Marc-André Luik

Abstract

Im Zuge der deutschen Wiedervereinigung wurden die formalen Institutionen in West- und Ostdeutschland schnell angeglichen. Dies galt insbesondere auch für die Kapitelmärkte. Nach Einrichtung eines Wertpapierdepots konnten nun auch Ostdeutsche risikobehaftete Wertpapiere unterschiedlichster Art erwerben und in ihrem Portfolio halten. Im vorliegenden Beitrag untersuchen wir anhand von anonymisierten Kundendaten von Sparkassen aus dem Jahr 2006, inwiefern sich auch die informellen Institutionen in West- und Ostdeutschland angeglichen haben. Wir kommen zu dem Ergebnis, dass sich west- und ostdeutsche Sparkassenkunden in ihrer Neigung, riskante Anlagen zu halten, mehr als 15 Jahre nach der Wiedervereinigung noch deutlich unterschieden. Informelle Institutionen ändern sich demnach nur sehr träge.

Suggested Citation

  • Michael Berlemann & Marc-André Luik, 2014. "Unterscheiden sich West- und Ostdeutsche in ihrem Anlageverhalten? Empirische Evidenz auf Basis von Bankdaten," ifo Dresden berichtet, ifo Institute - Leibniz Institute for Economic Research at the University of Munich, vol. 21(06), pages 27-36, December.
    • Handle: RePEc:ces:ifodre:v:21:y:2014:i:06:p:27-36
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    References listed on IDEAS

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    More about this item

    Keywords

    Anlageverhalten; Finanzmarkt; Risikopräferenz; Sparkasse; Kunden; Informelle Wirtschaft; Vergleich; Neue Bundesländer; Alte Bundesländer;
    All these keywords.

    JEL classification:

    • E20 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - General (includes Measurement and Data)
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

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