University of Tokyo

Abstract
Survey Number 0155
Survey Title Present State of Household Economy in the Nuclear Family, 1999
Depositor Japan Institute of Life Insurance
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Summary People are facing increased uncertainties about their lives in a society with more elderly people and fewer children and in an economy suffering a prolonged recession. With a strong anxiety about their future, they have begun to device various financial measures to cope with the situation. Family financing consciousness and behavior are in a period of transformation as a result of the above socio-economic trends as well as women's entrance into the social domain and individualization and diversification of life values. This survey seeks to reveal the current state of family finances which is manifested in numerous ways. It seeks to do so by grasping people's (1) family financing consciousness (in terms of, for example, worries about the external environment and prediction of family finances as they will be in the future) and (2) family financing behavior ( with respect to income, consumption, savings and investment, assets held, etc.).
Universe Nuclear families with a husband aged between 25 and 54
Unit of Observation Household
Sample Size A sample of 5,000, of which 2,963 responded.
Time Period August-September, 1999
Spatial Unit Tokyo within a 50-kilometer radius, Nagoya within a 40-kilometer radius ,and Osaka within a 50-kilometer radius.
Sampling Procedure Two-stage stratified random sampling
Mode of Data Collection Self-administered questionnaires handed to respondents.
Investigator Japan Institute of Life Insurance Field work was conducted by Chuo Chosasha.
Sponsors (Funds)
Related Publications (by the Investigator) Japan Institute of Life Insurance (March 2000) Kaku-kazoku setai ni okeru kakei no genjo (The Current State of Nuclear Family Finances).
Related Publications (based on Secondary Analysis) List of related publications (based on Secondary Analysis)
Documentation [Chosa-hyo]
Major Survey Items Demographic items: sex; husband's and wife's age; husband's occupation, seniority, employer's industry, number of employees; wife's occupation; age of marriage; number of children and their life stage; type of dwelling; husband's and wife's education.

Questionnaire items:
I Perception of the current state and future of family finances
Worry about future employment and income; view of family/home in family finances; management of family finances; future outlook of financial maintenance; future income outlook (a few years from now); income standard maintainable with a new job; consumption attitude; consumption saving; degree of satisfaction with family's economic condition.
II Income
Household income (annual amount, difference from previous year); husband's and wife's income (source of income, annual income of main earner, difference from previous year).
III Consumption
Expenditure (monthly sum of living expenses, difference from previous year); expenditure by item (items increased/reduced in spending, key items to be increased/decreased in spending).
IV Savings, investment and assets
Savings and investment (annual amount, difference from previous year, annual goal, ratio of purposeful savings/investment); financial assets (type of financial product, total value and its difference from previous year, ratio of deposit, ratio of stock/foreign currency products); purposes of holding financial assets and future intentions to increase/decrease them; real assets (held or not, total money value, price fluctuation since time of purchase).
V Loans
Ever borrowed and (if so) purposes of borrowing (past loans, current loans, purpose of getting free-use loans, assessment of different interest rates, attitude to voluntary bankruptcy); housing loans (amount to be repaid, annual amount repaid, period left for repayment); other loans to be repaid and annual amount of repayment.
VI Life insurance
Life insurance against death (coverage, insurance money); life insurance for medical security (coverage, daily amount of sickness/hospitalization benefits); individual pension insurance (coverage, benefit level); annual premium for each type of insurance.
VII Information gathering, self-investment, and self-enlightenment
Information gathering (means, purposes, expenses); investing in and developing oneself (money spent or not, purposes, expenses, efforts to stabilize/improve income).
VIII Husband-wife role division and discretion in family finances
Husband-wife ratio of bearing expenditure; ratio of husband's income in savings and investment; husband's and wife's discretionary expenditure and assets.
Date of Release 2000/03/31
Version Registered on March 13, 2000.
Topics Economy/Industry/Management
Notes for Users Data Sets are written in Japanese.