日本の強みの中に、「個人金融資産」が挙げられている。しかしてねその中味とは一体どうなっているのだろうか。
2011年12月末の個人金融資産残高は、1483兆4822億円となった。これは、前期比0.9%増加し、前年比0.4%減少という。年末値としては3年ぶりの減少だそうだ。
これは、株価の下落や円高に伴う時価減少要因と分析される。一方で、現金・預金の残高は過去最高という結果と言われる。
その内訳は、現金・預金が56.5%、債券が2.4%(内国債は1.9%)、投資信託が2.6%、株式・出資金が5.8%、保険・年金準備金が28.3%、その他が4.3%となります。
家計部門の貯蓄動向は、国勢調査等によれば、家計貯蓄率が0.3%ポイント低下し、2.1%。
無貯蓄世帯の割合が28.6%と過去最高になったとされます。この無貯蓄世帯は、全世代において増加傾向にあり、年間収入の各層に営手も全体が無貯蓄世帯増の傾向にあります。
そこで、いわゆる「低所得者」とされる方の定義や考え方はどうなるのでしょうか。ネットで調べてみると、収入や所得は、世帯構成や家族の就労状況等から一概に定義できないことが分かります。
そして、その上で、ある市では、「低所得者」を2つに分類して、
①「低所得者1」を、世帯の全員が住民税非課税で、その世帯の各所得が必要経費・控除を差し引いたとき、0円となる人。年金の所得は控除額を80万円として計算するとしています。
②「低所得者2」を、世帯の全員が住民税非課税の人で、「低所得者1」に該当しない人としています。
また、ネット上での質問の回答の多くは、年収200万円以下を低所得者と区分したいように見受けます。更に、年収300万円以下の人口割合は、40.5%というデータもあり、収入格差や所得格差を感ぜずにはいられません。
格差が引き起こす現象が、これからの日本の社会をどう左右していくのか。増え続ける生活保護世帯の実態もまた日本の現実であり、何とても改革していかなければならない所です。
個人資産の巨大さと、低所得者増の対比にこそ、私たちの政治の役割があると考えます。
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