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2
3
BOX
2016
2012 2003
4
2015
2015
5
Defined Contribution Plan DC
401(k) DCDC
DC
6
2003
93SNA
Nonfinancial noncorporate businessNonfinancial corporate business Nonfinancial business
2003FAQ
7
2003
2003 2009
”equity in noncorporate business”
FRB 2015B.101 ”Balance Sheet of Households and Nonprofit Organizations” B.104 ”Balance
Sheet of Nonfinancial Noncorporate Business”
69.8 4.774.5
23.9 10.4 13.513.5 74.5
0.18 18 10
8
100 50 50 25
50 50 75 100
50 100 75
2003 7
9
2009
FRB ”Survey of Consumer Finances”
10
FRB 2014a
BLS 2001
11
BOX
0.0
0.5
1.0
1.5
2.0
2.5
3.0
3.5
0%
20%
40%
60%
80%
100%
FRB 2014b
MMF
2015 CEO
12
0
2
4
6
8
10
12
14
0
2
4
6
8
10
12
14
16
2015 FRB 2012
20082012 2013 2015
2015
13
2013
BOX
14
0
10
20
30
40
50
0
20
40
60
80
2015FRB 2012 CEA 2015
2014 OECD
FRB “Financial Account of the U.S.”
FRB ”Survey of Consumer Finances”
15
0
10
20
30
40
1975 1980 1985 1990 1995 2000 2005 2010 2015/1Q
%
0
5
10
15
20
25
30
1975 1980 1985 1990 1995 2000 2005 2010 2015/1Q
FRB “Financial Accounts of the United States”
16
401(k)DC
401(k)
DC
DC
DCDC
DC
401(k) 401 k
IRA
2012 ICI 2015
2012
2006
17
DCDC
DC
DC DC
DC
DC
2006 ICI SIA 2005
ICI 2013401(k) IRA
18
DC
2016
2014 401(k) IRA
19
DC
DC DC
BOX
0
10
20
30
40
50
0
20
40
60
80
100
2012
20
FLEC 2011
PACFC 2015
21
SEC
•
•
•
U.S. Library of Congress 2011 SEC
U.S. Library of Congress 2011
22
Lusardi 2013 Lusardi and Mitchell 2011
FINRA
Sekita 2011FINRA 2009
23
0
10
20
30
40
50
60
NZ
Deutsche Bundesbank 2015
Lusardi 2013
NZ
24
25
2012
2015
66 3
2013FP
2012
20152015 3
2009No.704 2009 9
2013 2013 6
2014 2014 92015 1
2015a2015 1
2015b2 2015 9
2006 2006 7
2015 26
BOX1 3
26
2014OECD
2014
2008 20
2003 2003 12
2015 2015 9
2016 6
2016 1
20122012 2
20152015 2
Bureau of Labor Statistics BLS 2001 ”Stock Option Plans Surveyed by NCS,” Beth Levin Crimmel and Jeffrey L. Shildkraut, Compensation and Working Conditions, Spring 2001
Council of Economic Advisers CEA 2015 ”The Economic Report of the President”
Deutsche Bundesbank 2015 ”Financial Accounts for Germany 2009 to 2014,” Special Statistical Publication 4, May 2015
FINRA Investor Education Foundation FINRA 2009 ”Financial Capability in the United States, National Survey,” December 2009
Financial Literacy and Education Commission FLEC 2011 ”Promoting Financial Success in the United States: National Strategy for Financial Literacy”
Federal Reserve Board FRB 2012 ”Changes in U.S. Family Finances from 2007 to 2010: Evidence from the Survey of Consumer Finances”
2014a ”Perspectives on Inequality and Opportunity from the Survey of Consumer Finances,” Janet L. Yellen, October 17, 2014
27
2014b ”Changes in U.S. Family Finances from 2010 to 2013: Evidence from the Survey of Consumer Finances”
2015 ”Financial Accounts of the United States,” Second Quarter 2015 20152Q
Investment Company Institute ICI 2013 ”Characteristics of Mutual Fund Investors, 2013,” ICI Research Perspective, October 2013
2015 ”2015 Investment Company Fact Book,” 55th Edition
Investment Company Institute and the Securities Industry Association ICI SIA2005 ”Equity Ownership in America, 2005”
Lusardi Annamaria 2013 ” Financial Literacy around the World (FLAT world),”Insights: Financial Capability, FINRA Investor Education Foundation, April 2013
Lusardi Annamaria and Mitchell Olivia 2011 ”Financial Literacy around the World: An Overview,” NBER Working Paper Series Working Paper 17107, June 2011
President’s Advisory Council on Financial Capability for Young Americans PACFC2015 ”President’s Advisory Council on Financial Capability for Young
Americans: Final Report,” June 2015
Sekita Shizuka 2011 ”Financial Literacy and Retirement Planning in Japan,” Network for Studies on Pensions, Aging and Retirement Netspar Discussion Paper 01/2011-016, January 2011
U.S. Library of Congress 2011 ”Financial Literacy among Retail Investors in the United States - A Report Prepared by the Research Division, Library of Congress under an Interagency Agreement with the Securities and Exchange Commission,” December 2011
28
BOX1
BOX1
BOX1
29
BOX2-1
BOX2-1
BOX2-2
30
2013
31
DC
BOX3-1
DC
2015a
2014
32
BOX3-2
DC DC
BOX3-3
DC DC
DC
DB DC
DC
DC
2015a
33
2015b
DC
DC
2015a
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