| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w16433 |
| 来源ID | Working Paper 16433 |
| Making Savers Winners: An Overview of Prize-Linked Savings Products | |
| Melissa Schettini Kearney; Peter Tufano; Jonathan Guryan; Erik Hurst | |
| 发表日期 | 2010-10-06 |
| 出版年 | 2010 |
| 语种 | 英语 |
| 摘要 | For over three centuries and throughout the globe, people have enthusiastically bought savings products that incorporate lottery elements. In lieu of paying traditional interest to all investors proportional to their balances, these Prize Linked Savings (PLS) accounts distribute periodic sizeable payments to some investors using a lottery-like drawing where an investor's chances of winning are proportional to one's account balances. This paper describes these products, provides examples of their use, argues for their potential popularity in the United States --especially to low and moderate income non-savers--and discusses the laws and regulations in the United States that largely prohibit their issuance. |
| 主题 | Financial Economics ; Financial Institutions ; Public Economics ; Taxation ; Other ; Law and Economics |
| URL | https://www.nber.org/papers/w16433 |
| 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/574108 |
| 推荐引用方式 GB/T 7714 | Melissa Schettini Kearney,Peter Tufano,Jonathan Guryan,et al. Making Savers Winners: An Overview of Prize-Linked Savings Products. 2010. |
| 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 | ||
| w16433.pdf（287KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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