Latest / The Demographics Podcast with Fexingo: Aging Populations, Birth Rates, and Economic Impact
How Demographics Are Reshaping Consumer Credit Markets
We explore how the aging of Japan's population is quietly rewriting the rules of consumer credit and retail debt. While much attention focuses on labor shortages, the real shift is happening in balance sheets as older cohorts pull back from borrowing while younger demographics face different constraints. We look at specific data points from Bank of Japan reports to understand how debt-to-income ratios are diverging across age groups. This structural change impacts everything from credit card issuance to auto loan portfolios, creating new risks for lenders who rely on traditional growth…
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