| 来源类型 | Working Paper |
| 规范类型 | 报告 |
| DOI | 10.3386/w25876 |
| 来源ID | Working Paper 25876 |
| Borrowing to Save? The Impact of Automatic Enrollment on Debt | |
| John Beshears; James J. Choi; David Laibson; Brigitte C. Madrian; William L. Skimmyhorn | |
| 发表日期 | 2019-05-27 |
| 出版年 | 2019 |
| 语种 | 英语 |
| 摘要 | Does automatic enrollment into a retirement plan increase borrowing outside the plan? We study a natural experiment created when the U.S. Army began automatically enrolling newly hired civilian employees into the Thrift Savings Plan. Four years after hire, automatic enrollment causes no significant change in credit scores (point estimate 0.001 standard deviations) or debt balances excluding auto loans and first mortgages (point estimate -0.6% of annual salary). We also find no significant increase in auto loan and first mortgage balances in our main regression specification, although the estimated increases in these categories are economically and statistically significant in alternative specifications. |
| 主题 | Microeconomics ; Households and Firms |
| URL | https://www.nber.org/papers/w25876 |
| 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/583549 |
| 推荐引用方式 GB/T 7714 | John Beshears,James J. Choi,David Laibson,et al. Borrowing to Save? The Impact of Automatic Enrollment on Debt. 2019. |
| 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 | ||
| w25876.pdf（659KB） | 智库出版物 | 限制开放 | CC BY-NC-SA | 浏览 | ||
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