Regional deposits and demographic changes

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This article empirically analyses the relationship between regional deposits and demographic changes. Using different types of deposit data from Japan which has experienced a sharp increase in the number of retirees, we provide clear evidence that an increase in the dependency ratio has led to a decline in overall deposits but an increase in most liquid deposits.

Original languageEnglish
Pages (from-to)939-942
Number of pages4
JournalApplied Economics Letters
Issue number10
Publication statusPublished - 2012 Jul


  • Demographic changes
  • Panel cointegration
  • Panel DOLS
  • Regional deposits


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