| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23252 |
| 来源ID | Working Paper 23252 |
| How Debit Cards Enable the Poor to Save More | |
| Pierre Bachas; Paul Gertler; Sean Higgins; Enrique Seira | |
| 发表日期 | 2017-03-20 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | We study an at-scale natural experiment in which debit cards are given to cash transfer recipients who already have a bank account. Using administrative account data and household surveys, we find that beneficiaries accumulate a savings stock equal to 2 percent of annual income after two years with the card. The increase in formal savings represents an increase in overall savings, financed by a reduction in current consumption. There are two mechanisms: first, debit cards reduce transaction costs of accessing money; second, they reduce monitoring costs, leading beneficiaries to check their account balances frequently and build trust in the bank. |
| 主题 | Microeconomics ; Households and Firms ; Economics of Information ; Financial Economics ; Financial Institutions ; Development and Growth ; Development |
| URL | https://www.nber.org/papers/w23252 |
| 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/580926 |
| 推荐引用方式 GB/T 7714 | Pierre Bachas,Paul Gertler,Sean Higgins,et al. How Debit Cards Enable the Poor to Save More. 2017. |
| 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 | ||
| w23252.pdf（894KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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