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Constructing a Realtime Income and Consumption of Household data using Private Finance Management App

Research Project

Project/Area Number 19H00591
Research Category

Grant-in-Aid for Scientific Research (A)

Allocation TypeSingle-year Grants
Section一般
Review Section Medium-sized Section 7:Economics, business administration, and related fields
Research InstitutionKyoto University (2020-2022)
Hitotsubashi University (2019)

Principal Investigator

Unayama Takashi  京都大学, 経済研究所, 教授 (20348840)

Co-Investigator(Kenkyū-buntansha) 高橋 悠太  一橋大学, 経済研究所, 講師 (10835747)
Project Period (FY) 2019-04-01 – 2023-03-31
Project Status Completed (Fiscal Year 2022)
Budget Amount *help
¥45,890,000 (Direct Cost: ¥35,300,000、Indirect Cost: ¥10,590,000)
Fiscal Year 2022: ¥5,590,000 (Direct Cost: ¥4,300,000、Indirect Cost: ¥1,290,000)
Fiscal Year 2021: ¥10,920,000 (Direct Cost: ¥8,400,000、Indirect Cost: ¥2,520,000)
Fiscal Year 2020: ¥9,360,000 (Direct Cost: ¥7,200,000、Indirect Cost: ¥2,160,000)
Fiscal Year 2019: ¥20,020,000 (Direct Cost: ¥15,400,000、Indirect Cost: ¥4,620,000)
Keywords家計簿アプリ / 家計行動 / 消費
Outline of Research at the Start

家計簿アプリにより収集されたデータによって、新たな家計データを構築する。家計簿アプリとは銀行口座の出入金情報を自動的に収集するウェブサービスで、家計の収入・支出を自動的に記録するサービスである。誤記や記入漏れが発生せず、より正確な家計収支や資産保有の情報が把握できる。
さらに、アプリ利用者を対象に、独自調査を実施して世帯属性を把握する。通常の統計調査では協力を得ることが難しい世帯行動・取引項目を把握することができる。構築されるデータは、家計内分配、消費税引上げの影響、家計の資産保有と消費の関係、などの分析に活用される。

Outline of Final Research Achievements

In this study, we constructed a new dataset using a "Finance Management App." The app utilizes account aggregation technology to access various financial accounts owned by households and automatically collect information on financial transactions. By augmenting the household income and expense information collected through the app with additional proprietary surveys on the demographic attributes of app users, we created a panel dataset that contains equal or greater information compared to existing public statistics. This unique dataset, which includes young individuals that were difficult to capture in conventional surveys, enables ongoing analysis of household behavior.

Academic Significance and Societal Importance of the Research Achievements

本研究の成果の最も重要な意義は、家計簿アプリという急速に進展する情報技術の革新を学術研究に取り込むことで、研究者が独自のデータセットを構築できることを示した点である。既存の統計調査と比較して、はるかに少ない人員・予算で、詳細かつ高頻度のデータが構築できている。また、公的統計において調査方法などの限界が指摘されている家計収支に関して、新たな調査方法としての家計簿アプリの利用価値について検証したことも大きな成果である。

Report

(6 results)
  • 2022 Annual Research Report   Final Research Report ( PDF )
  • 2021 Annual Research Report
  • 2020 Annual Research Report
  • 2019 Comments on the Screening Results   Annual Research Report
  • Research Products

    (17 results)

All 2023 2022 2021 2019 Other

All Int'l Joint Research (5 results) Journal Article (7 results) (of which Int'l Joint Research: 4 results,  Peer Reviewed: 2 results,  Open Access: 1 results) Presentation (1 results) (of which Invited: 1 results) Book (1 results) Remarks (3 results)

  • [Int'l Joint Research] コロンビア大学/連邦準備銀行理事会/ミシガン大学(米国)

    • Related Report
      2022 Annual Research Report
  • [Int'l Joint Research] Michigan University/Yale University/Northwestern University(米国)

    • Related Report
      2021 Annual Research Report
  • [Int'l Joint Research] ミシガン大学/イェール大学/連邦準備銀行理事会(米国)

    • Related Report
      2020 Annual Research Report
  • [Int'l Joint Research] ミシガン大学/コロンビア大学(米国)

    • Related Report
      2019 Annual Research Report
  • [Int'l Joint Research] スイス・イタリア大学(スイス)

    • Related Report
      2019 Annual Research Report
  • [Journal Article] 年齢階級別データの使い方: ライフサイクル理論と消費2022

    • Author(s)
      宇南山卓
    • Journal Title

      『統計』

      Volume: 73 Pages: 4-12

    • Related Report
      2022 Annual Research Report
  • [Journal Article] 「低所得者」は「経済的弱者」なのか?2022

    • Author(s)
      宇南山卓
    • Journal Title

      『アステイオン』

      Volume: 96 Pages: 20-32

    • Related Report
      2022 Annual Research Report
  • [Journal Article] The Spending and Consumption Response to A VAT Rate Increase2021

    • Author(s)
      Cashin David、Unayama Takashi
    • Journal Title

      National Tax Journal

      Volume: 74 Issue: 2 Pages: 313-346

    • DOI

      10.1086/714368

    • Related Report
      2021 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] Abenomics, Monetary Policy, and Consumption2021

    • Author(s)
      Joshua K. Hausman, Takashi Unayama, Johannes F. Wieland
    • Journal Title

      The Political Economy of the Abe Government and Abenomics Reforms

      Volume: Chapter 6 Pages: 139-169

    • DOI

      10.1017/9781108921145.006

    • ISBN
      9781108921145, 9781108843959, 9781108925877
    • Related Report
      2020 Annual Research Report
    • Int'l Joint Research
  • [Journal Article] Estimating the Impacts of Program Benefits: Using Instrumental Variables with Underreported and Imputed Data2019

    • Author(s)
      Melvin Stephens Jr. and Takashi Unayama
    • Journal Title

      The Review of Economics and Statistics

      Volume: 101(3) Issue: 3 Pages: 468-475

    • DOI

      10.1162/rest_a_00769

    • Related Report
      2019 Annual Research Report
    • Peer Reviewed / Int'l Joint Research
  • [Journal Article] 家計の把握とRICH プロジェクト2019

    • Author(s)
      宇南山卓
    • Journal Title

      経済研究

      Volume: 70(4) Pages: 331-356

    • NAID

      120007167438

    • Related Report
      2019 Annual Research Report
  • [Journal Article] “Abenomics, The Housing Market, and Consumption”2019

    • Author(s)
      Joshua K. Hausman, Takashi Unayama and Johannes F. Wieland
    • Journal Title

      経済分析

      Volume: 200 Pages: 37-62

    • Related Report
      2019 Annual Research Report
    • Open Access / Int'l Joint Research
  • [Presentation] 消費の理論とデータ2021

    • Author(s)
      宇南山卓
    • Organizer
      若手経済学者のためのマクロ経済学コンファレンス
    • Related Report
      2020 Annual Research Report
    • Invited
  • [Book] 現代日本の消費分析2023

    • Author(s)
      宇南山卓
    • Total Pages
      532
    • Publisher
      慶應義塾大学出版会
    • ISBN
      9784766428957
    • Related Report
      2022 Annual Research Report
  • [Remarks] RICH Project

    • URL

      https://www.rich.kier.kyoto-u.ac.jp

    • Related Report
      2022 Annual Research Report
  • [Remarks] RICH Project 新しい家計収支データ

    • URL

      https://www.rich.kier.kyoto-u.ac.jp

    • Related Report
      2021 Annual Research Report
  • [Remarks] RICHプロジェクト

    • URL

      https://www.rich.kier.kyoto-u.ac.jp

    • Related Report
      2020 Annual Research Report

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Published: 2019-04-18   Modified: 2024-01-30  

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