| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w20239 |
| 来源ID | Working Paper 20239 |
| Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile | |
| Felipe Kast; Dina Pomeranz | |
| 发表日期 | 2014-06-19 |
| 出版年 | 2014 |
| 语种 | 英语 |
| 摘要 | Poverty is often characterized not only by low and unstable income, but also by heavy debt burdens. We find that reducing barriers to saving through access to free savings accounts decreases participants' short-term debt by about 20%. In addition, participants who experience an economic shock have less need to reduce consumption, and subjective well-being improves significantly. Precautionary savings and credit therefore act as substitutes in providing self-insurance, and participants prefer borrowing less when a free formal savings account is available. Take-up patterns suggest that requests by others for participants to share their resources may be a key obstacle to saving. |
| 主题 | Microeconomics ; Households and Firms ; Behavioral Economics ; Financial Economics ; Financial Institutions ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w20239 |
| 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/577912 |
| 推荐引用方式 GB/T 7714 | Felipe Kast,Dina Pomeranz. Saving More to Borrow Less: Experimental Evidence from Access to Formal Savings Accounts in Chile. 2014. |
| 条目包含的文件 | 条目无相关文件。 | |||||
| 个性服务 |
| 推荐该条目 |
| 保存到收藏夹 |
| 导出为Endnote文件 |
| 谷歌学术 |
| 谷歌学术中相似的文章 |
| [Felipe Kast]的文章 |
| [Dina Pomeranz]的文章 |
| 百度学术 |
| 百度学术中相似的文章 |
| [Felipe Kast]的文章 |
| [Dina Pomeranz]的文章 |
| 必应学术 |
| 必应学术中相似的文章 |
| [Felipe Kast]的文章 |
| [Dina Pomeranz]的文章 |
| 相关权益政策 |
| 暂无数据 |
| 收藏/分享 |
除非特别说明，本系统中所有内容都受版权保护，并保留所有权利。
