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Die Sparquote. Berechnung und historische Entwicklung

Die Sparquote. Berechnung und historische Entwicklung

          
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About the Book

Studienarbeit aus dem Jahr 2006 im Fachbereich VWL - Finanzwissenschaft, Note: 2,7, SRH Hochschule Riedlingen, Veranstaltung: VWL, 2 Quellen im Literaturverzeichnis, Sprache: Deutsch, Abstract: Diese Arbeit klärt, was Sparen bedeutet und wie sich die Sparquote errechnet und vergleicht das Sparverhalten der Deutschen und US-Amerikaner. Um festzustellen, was unter dem Begriff Sparquote zu verstehen ist, bedarf es zuallererst der Klärung des Ausdrucks. Der Duden beschreibt Sparen wie folgt: "Sparen bedeutet zunächst für jedes Subjekt, das spart, den Verzicht auf Konsum". Anstatt zu konsumieren, werden die dazu benötigten Mittel gespeichert. Der Sparer oder die Sparerin nutzt beim Sparen die Speicherfunktion des Geldes. Sparen bedeutet jedoch keineswegs absoluten Konsumverzicht, da die Motivation der Sparer darin liegt, die generierten Mittel zu einem späteren Zeitpunkt für Konsumgüter oder Investitionsgüter auszugeben. Die Motivation der sparenden Subjekte lässt sich in drei verschiedene Ziele differenzieren. Zum einen besteht das Ziel des Vorsorgesparens. Hierbei spart das Subjekt, um sich vor Notlagen wie Krankheit oder Erwerbslosigkeit zu schützen. Als Vergleich kann das Eichhörnchen dienen, das einen Wintervorrat an Nüssen anlegt, um den Winter zu überstehen. Des Weiteren kann der Sparer aufgrund der Motivation des Zwecksparens handeln. Hier spart das Subjekt, um später größere Anschaffungen wie beispielsweise ein neues Auto zu tätigen. Der dritte Beweggrund des Sparers kann die Vermögensbildung sein. In diesem Falle wird gespart, um einen Wertgewinn zu erzielen beziehungsweise das Kapital zu vermehren. Zu beachten ist, dass eine 100%-ige Differenzierung der Motivationsgründe nicht immer gegeben ist. Des Weiteren kann auch mehr als ein Ziel das Subjekt zur Bildung von Ersparnissen bewegen.


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Product Details
  • ISBN-13: 9783640175185
  • Publisher: Grin Publishing
  • Binding: Paperback
  • Language: German
  • Returnable: N
  • Spine Width: 1 mm
  • Width: 140 mm
  • ISBN-10: 3640175182
  • Publisher Date: 06 Nov 2008
  • Height: 216 mm
  • No of Pages: 16
  • Series Title: German
  • Weight: 41 gr


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