| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w22025 |
| 来源ID | Working Paper 22025 |
| Restoring Rational Choice: The Challenge of Consumer Financial Regulation | |
| John Y. Campbell | |
| 发表日期 | 2016-02-29 |
| 出版年 | 2016 |
| 语种 | 英语 |
| 摘要 | This lecture considers the case for consumer financial regulation in an environment where many households lack the knowledge to manage their financial affairs effectively. The lecture argues that financial ignorance is pervasive and unsurprising given the complexity of modern financial products, and that it contributes meaningfully to the evolution of wealth inequality. The lecture uses a stylized model to discuss the welfare economics of paternalistic intervention in financial markets, and discusses several specific examples including asset allocation in retirement savings, fees for unsecured short-term borrowing, and reverse mortgages. |
| 主题 | Microeconomics ; Households and Firms ; Financial Economics ; Financial Institutions |
| URL | https://www.nber.org/papers/w22025 |
| 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/579699 |
| 推荐引用方式 GB/T 7714 | John Y. Campbell. Restoring Rational Choice: The Challenge of Consumer Financial Regulation. 2016. |
| 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 | ||
| w22025.pdf（480KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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