Demographics: credit risks and opportunities
Demographic trends are impacting issuers across sectors globally, weighing on economic and fiscal growth. From ageing populations, to income inequality, to rising healthcare needs, this page explores the credit implications of changing demographics.

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    10 Feb 2021|Moody's Investors Service
    A dwindling number of workers in developed economies will support a growing share of retirees, and growth and profitability are declining for banks, insurers and asset managers. Young Kim of the Insurance team and Tomoya Suzuki of the Banking team examine how South Korea’s insurers and Japan’s regional banks are turning demographics into opportunities (begins at 2:35), while Dean Ungar of the Asset Management team zeroes in on US asset managers’ future (begins at 11:35).​

    04 Mar 2020|Moody's Investors Service
    Population ageing is likely to raise the debt and financing requirements of many advanced economy sovereigns in coming decades, as it drives greater fiscal spending. At the same time, over the longer term, shrinking labour forces and lower household saving flows will constrain funding for governments.

    19 Feb 2020|Moody's Investors Service
    Population growth and economic development will continue to drive Texas municipalities' sales tax revenue higher in the near term, especially in the state's urban centers, providing additional resources to meet rising service demands.