衆議院議員 神田けんじ

ジュニアNISA創設

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この国会から、自由民主党の財務金融部会・副部会長を仰せつかりました。さらに本腰を入れて、財務金融分野の勉強をしてまいりますので、引き続き御指導宜しくお願い申し上げます。

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本日、金融庁から改めて平成27年度の税制改正要望の詳細の説明をいただきました。

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主要項目だけでも多岐にわたり、全てを御説明することは難しいのですが、中でも「ジュニアNISA」という興味深い制度の提案がありましたので、御紹介いたします。

NISA年代別口座開設者比率(平成26年6月末)

NISA年代別口座開設者比率(平成26年6月末)

上記年代別のNISA口座開設者をご覧いただければわかるように、NISA活用者は半分以上が60歳以上です。本来、投資未経験者に対して投資への敷居を低くするために設けたNISA創設の意義が充分に満たしているとは言えないといわれても仕方ない状況に見えます。

そこで、金融庁が打ち出した次の一手は、ジュニアNISA。①若年層や投資未経験者への投資家の裾野拡大するため ②親や祖父母からの資産移転の一手段とするため ③若い頃からの長期の投資を促進し、若年層に安定した金融資産の形成を託すため 等の狙いから、新たな「ジュニアNISA」制度を創設することを目指しています。

具体的には、【対象者】0歳~19歳の日本国居住者 【年間投資上限額】80万円 【非課税対象】上場株式、公募株式投信等 【非課税期間】投資した年から最長5年 といったところです。もちろん、赤ちゃんに投資が出来るわけではありませんので、原則として親権者等が代理して運用を行うことになり、事実上NISAの枠が増えると喜ぶ父兄も居られるのではないでしょうか。
実際には払い出しが18歳まで制限されますので、イメージとしては、米欧である未成年信託のような感じではないかと考えています。

「若年者が投資することを国が進めていいのか」といった論点や、「18歳まで払い出し制限をするなら口座開設にインセンティブはあるのか」といった議論があると思います。多くの方の御意見をいろいろ伺いたいところです。