People often disregard the need for individual savings for old-age although a decreasing rate of birth and an … like banks and insurance companies which support their savings plans. We apply the behavioral life-cycle hypothesis to … have a large impact on oldage savings behavior. Our results differ across intermediary groups. They have important policy …

. Decentralised banks, which are predominantly regional savings banks and cooperative banks in Germany, nearly account for most … techniques for retail banking, like bank-ICT and rating systems. The detailed comparison of a savings bank with a big bank … challenges regional savings-investment cycles and thus regional independency. Second, mergers, branch closures and the …

Sparquote zu. Außerdem beeinflußt die Art der sozialen Sicherung die Höhe der Sparquote. Selbständigen-Haushalte sparen einen … Abschluß von Lebensversicherungen treffen. (Nichtbeamtete) Arbeitnehmer dagegen sparen einen Teil ihres Einkommens nicht …In recent years the aggregate savings ratio in Germany has declined. The basic causes are, above all, the rise in …

crisis. The paper recommends obligatory priv ate savings at a variable rate where the time path of the savings rate is chosen …