| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w6085 |
| 来源ID | Working Paper 6085 |
| Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates | |
| B. Douglas Bernheim; Daniel M. Garrett; Dean M. Maki | |
| 发表日期 | 1997-07-01 |
| 出版年 | 1997 |
| 语种 | 英语 |
| 摘要 | Over the last forty years, the majority of states have adopted consumer education policies, and a sizable minority have specifically mandated that high school students receive instruction on topics related to household financial decision-making (budgeting so forth). In this paper, we attempt to determine whether the curricula arising from these mandates have had any discernable effect on adult decisions regarding saving. Using a unique household survey, we exploit the variation in requirements both across states and over time to identify the effects of interest. The evidence indicates that mandates have significantly raised both exposure to financial curricula and subsequent asset accumulation once exposed students reached adulthood. These effects appear to have been gradual rather than immediate -- a probable reflection of implementation lags. |
| 主题 | Microeconomics ; Households and Firms ; Macroeconomics ; Consumption and Investment |
| URL | https://www.nber.org/papers/w6085 |
| 来源智库 | National Bureau of Economic Research (United States) |
| 引用统计 | |
| 资源类型 | 智库出版物 |
| 条目标识符 | http://119.78.100.153/handle/2XGU8XDN/563593 |
| 推荐引用方式 GB/T 7714 | B. Douglas Bernheim,Daniel M. Garrett,Dean M. Maki. Education and Saving: The Long-Term Effects of High School Financial Curriculum Mandates. 1997. |
| 条目包含的文件 | ||||||
| 文件名称/大小 | 资源类型 | 版本类型 | 开放类型 | 使用许可 | ||
| w6085.pdf（730KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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