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Zur Verteilung der Sparquoten in Österreich

Author

Listed:
  • Pirmin Fessler

    (Oesterreichische Nationalbank, Economic Analysis Division)

  • Martin Schürz

    (Oesterreichische Nationalbank, Economic Analysis Division)

Abstract

In der vorliegenden Studie wird das Sparverhalten der privaten Haushalte in Österreich untersucht. In der wirtschaftspolitischen Diskussion wird das Sparen der privaten Haushalte meist anhand des Begriffs der Sparquote des privaten Haushaltssektors besprochen, einem Konzept aus der Volkswirtschaftlichen Gesamtrechnung (VGR). Wir ergänzen diese Betrachtung um eine mikrobasierte Perspektive und liefern empirische Evidenz auf Basis des Household Finance and Consumption Survey (HFCS). Das ermöglicht uns, die Verteilung der Sparquote auf Mikroebene zu betrachten und auf diesem Wege wichtige Informationen zu wirtschaftspolitischen Fragen des Sparens und des Konsums zu erhalten. Fast ein Viertel der privaten Haushalte in Österreich spart nicht. Die Sparquoten jener Haushalte, die sparen, liegen zwischen 2 % und über 50 % der jeweiligen Haushaltsnettoeinkommen. Die Sparquote steigt mit dem Einkommen stark an. Altersspezifische Zusammenhänge sind kaum zu beobachten, sobald für das Einkommen kontrolliert wird. In vielen Modellschätzungen und Simulationen mussten aufgrund unzureichender empirischer Schätzungen bislang unterschiedliche Sparquoten bzw. Konsumneigungen für die österreichische Haushaltspopulation angenommen werden. Unsere Studie liefert erstmals Schätzer für Sparquoten über die gesamte Einkommensverteilung in Österreich und informiert über den Zusammenhang zwischen Sparquote und sozioökonomischen Charakteristika der Haushalte.

Suggested Citation

  • Pirmin Fessler & Martin Schürz, 2017. "Zur Verteilung der Sparquoten in Österreich," Monetary Policy & the Economy, Oesterreichische Nationalbank (Austrian Central Bank), issue 3, pages 13-33.
    • Handle: RePEc:onb:oenbmp:y:2017:i:3:b:2
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    References listed on IDEAS

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    2. Christine Mayrhuber & Matthias Firgo & Hans Pitlik & Alois Guger & Ewald Walterskirchen, 2018. "Sozialstaat und Standortqualität," WIFO Studies, WIFO, number 61006, January.
    3. Wifo, 2023. "WIFO-Monatsberichte, Heft 12/2023," WIFO Monatsberichte (monthly reports), WIFO, vol. 96(12), December.
    4. Gunther Tichy, 2019. "Das vernachlässigte Massensparen. Die wirtschaftspolitischen Folgen zunehmender Intermediation," WIFO Monatsberichte (monthly reports), WIFO, vol. 92(8), pages 583-597, August.
    5. Fiske, Amelia & Galasso, Ilaria & Eichinger, Johanna & McLennan, Stuart & Radhuber, Isabella & Zimmermann, Bettina & Prainsack, Barbara, 2022. "The second pandemic: Examining structural inequality through reverberations of COVID-19 in Europe," Social Science & Medicine, Elsevier, vol. 292(C).

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