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Issue 5(1), October 2010 -- Paper Abstracts
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Modeling Deposit-Withdrawal Behavior with Risk Tolerance

Author(s): Toshihiko Takemura, Takashi Kozu, Tetsuro Kobayashi

Citation: Toshihiko Takemura, Takashi Kozu, Tetsuro Kobayashi, (2012) "Modeling Deposit-Withdrawal Behavior with Risk Tolerance," Journal of Management Policy and Practice, Vol. 13, Iss. 5, pp. 116 - 127

Article Type: Research paper

Publisher: North American Business Press


In this study, we model and analyze individual’s withdrawal behavior with risk tolerance. Consequently,
it is found the followings: 1) effects of psychological factors such as degree of trust in information
sources and degree of risk aversion are not uniformly against individual’s deposit-withdrawal behavior,
2) the probability that they carelessly withdraw their deposits tends to be lower if individuals correctly
understand Japanese deposit insurance scheme, and 3) annual income affects individual's deposit-
withdrawal behavior, but total amount of his/her deposit and the number of accounting do not affect it.
From these findings, we propose that the government and financial institutes implement the measure
which promotes to let understand Japanese deposit insurance scheme to depositors.