| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w23664 |
| 来源ID | Working Paper 23664 |
| Debt and Financial Vulnerability on the Verge of Retirement | |
| Annamaria Lusardi; Olivia S. Mitchell; Noemi Oggero | |
| 发表日期 | 2017-08-14 |
| 出版年 | 2017 |
| 语种 | 英语 |
| 摘要 | We analyze older individuals’ debt and financial vulnerability using data from the Health and Retirement Study (HRS) and the National Financial Capability Study (NFCS). Specifically, in the HRS we examine three different cohorts (individuals age 56–61) in 1992, 2004, and 2010 to evaluate cross-cohort changes in debt over time. We also use two waves of the NFCS (2012 and 2015) to gain additional insights into debt management and older individuals’ capacity to shield themselves against shocks. We show that recent cohorts have taken on more debt and face more financial insecurity, mostly due to having purchased more expensive homes with smaller down payments. |
| 主题 | Microeconomics ; Households and Firms |
| URL | https://www.nber.org/papers/w23664 |
| 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/581338 |
| 推荐引用方式 GB/T 7714 | Annamaria Lusardi,Olivia S. Mitchell,Noemi Oggero. Debt and Financial Vulnerability on the Verge of Retirement. 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 | ||
| w23664.pdf（775KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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