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来源类型Working Paper
规范类型报告
DOI10.3386/w13191
来源IDWorking Paper 13191
The Age of Reason: Financial Decisions Over the Lifecycle
Sumit Agarwal; John C. Driscoll; Xavier Gabaix; David Laibson
发表日期2007-06-29
出版年2007
语种英语
摘要In cross-sectional data sets from ten credit markets, we find that middle-aged adults borrow at lower interest rates and pay fewer fees relative to younger and older adults. Fee and interest payments are minimized around age 53. The measured effects are not explained by observed risk characteristics. We discuss several leading factors that may contribute to these effects, including age-related changes in experience and cognitive function, selection effects, and cohort effects.
主题Microeconomics ; Households and Firms ; Economics of Information ; Financial Economics ; Financial Institutions ; Labor Economics ; Demography and Aging
URLhttps://www.nber.org/papers/w13191
来源智库National Bureau of Economic Research (United States)
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条目标识符http://119.78.100.153/handle/2XGU8XDN/570860
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Sumit Agarwal,John C. Driscoll,Xavier Gabaix,et al. The Age of Reason: Financial Decisions Over the Lifecycle. 2007.
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