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来源类型Working Paper
规范类型报告
DOI10.3386/w25876
来源IDWorking 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
URLhttps://www.nber.org/papers/w25876
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/583549
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GB/T 7714
John Beshears,James J. Choi,David Laibson,et al. Borrowing to Save? The Impact of Automatic Enrollment on Debt. 2019.
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