Global Financial Stability Report, September 2005: Market Developments and Issues

Global Financial Stability Report, September 30, 2005

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Global Financial Stability Report, September 2005: Market Developments and Issues

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Bibliographic details

• Published: September 30, 2005
• Series: Global Financial Stability Report
• DOI: https://doi.org/10.5089/9781451969511.082

Overview and purpose

• Presents an assessment of the shift in market risks to the household sector resulting from changes in the behavior of financial institutions and from pension reform.
• Focuses on household saving and asset allocation behavior and analyzes how such behavior may be affected by changes to household risk profiles.
• Examines the products and services that the financial industry has developed, or may need to develop, to help households meet these new challenges.
• Discusses possible public policy initiatives on the promotion of a broader range of payout instruments and structures.

Key findings and themes

• Shift in market risks to households driven by:
  • Changes in behavior of financial institutions.
  • Pension reform.
• Household behavior examined:
  • Saving patterns.
  • Asset allocation decisions.
  • Responses to changing household risk profiles.
• Financial industry responses analyzed:
  • Existing products and services developed for households.
  • Potential new products and services needed to address risk-transfer and payout needs.
• Public policy considerations:
  • Promotion of a broader range of payout instruments and structures to address household vulnerabilities and longevity risk.

Subject areas and keywords

• Subject: Education, Expenditure, Financial institutions, Insurance, Labor, Mortgages, Pension spending, Pensions
• Keywords: Europe, GFSR, Global, home equity, Insurance, investment product, longevity risk, market assets, mortgage market, Mortgages, Pension spending, Pensions, private industry, risk profile

References

• https://www.imf.org/en/publications/gfsr
• United States and the IMF
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• Education
• Expenditure
• Financial institutions
• Insurance
• Labor
• Mortgages
• Pension spending
• Pensions
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