経済学における時間選好とは、将来の満足よりも現在の満足を重視する人間固有の傾向を指す。人は将来、手に入る同じ財やサービスよりも、現在手に入る財やサービスの方に価値を感じる。これは意思決定、特に消費と投資の領域で重要な役割を果たす概念である。これは、将来のリスクや不確実性を避けたい心理が働くからだ。よくある例で言えば、今日100円を受け取るか、1年後に150円受け取るかという選択を迫られた場合、ほとんどの人は今日100円受け取る方を選ぶだろう。
Tag: finance
Time Preference in economics, referes to the inherent human tendency to value the present satisfaction more than future satisfaction. People value goods and services available in the present more than the same goods and services available in the future. It is a concept that plays a crucial role in decision-making, especially in the realm of consumption and investment. This is largely due to the risks or uncertainty of the future. The common example is, if given the choice between ￥100 today and ￥150 a year from now, most people would chose to receive ￥100 today.
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中央銀行デジタル通貨
日本は2024年上半期に1000円、5000円と10000円札の新紙幣を発行する予定となっている。なぜ国は頻繁に紙幣を交換するのだろうか？ 約20年ごとに行われているこの交換に様々な理由がある。その内の一つが偽造を防ぐためだとされている。世界はデジタル通貨の発行に向かって急速に進んでいるが、日本は新しい紙幣を印刷しようとしている。これは、日本人の多くがいまだに紙幣を使用して貯蓄することを好むからだ。しかし、若い世代はクレジットカード決済、QR決済システムやオンライン・バンキング/ネット・バンキングを利用するようになってきている。今回の紙幣の刷新のタイミングは、一見政府も十分に考慮されてないように思えるが、とにかく一筋縄ではない感じが漂っている。
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Pension, Tax and Investment
I’ve been searching for the answer to the question “What is Money?” for quite some time.
I’ve been going down this rabbit hole for long but its really hard to know what money is. For some it might be everything, for someone it might just be a tool, for someone it might be way of freedom and for someone it might be the power. But what actually is Money? Who creates it? Why does it have value? What is Value? Why humans sacrifice their finite time out of their life to get money? Why is it so important? What if there was nothing such as money? Would we live the way we live? There are lots of questions like these which is very hard to answer but one thing is for certain. We as a human from the beginning of time always had desire to put value on something through a tool we call money. The form of it might have changed from barter, to labor time, to glass beads, to salt, to stones, to gold, to silver, to coins, to paper and now to digits on a computer.
This book explores the evolution and functioning of money throughout history and around the globe. Author writes about the concept of layered money, which refers to the different forms and levels of money that exist in modern economies. Basically, this provides an intuitive model view of the history, evolution, current state and future of money. As we know gold has been used for thousands of years but civilization found it hard to divide and carry around so they created various layers of money like IOUs issued by the banks with gold on deposit.
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The Bitcoin Standard
This book is written by Saifedean Ammous. I highly recommend this book to those who are interested in finance and technology. This does not contain all the technical details of Bitcoin but you can grasp its current state and the economic impact it will have on our lives. This book explores the history of money, the flaws of the current financial system, and suggests the potential of Bitcoin as a decentralized alternative to central banking. Bitcoin has the potential and is very much likely to become the new global standard of money, which is free from government control and its inflationary policies.