拥有还是不拥有?跨国视角下的家庭投资组合、人口结构和制度。

Eva Sierminska
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引用次数: 0

摘要

使用统一的财富数据和本文献中新颖的分解方法,我们确定了欧洲和北美国家两个年龄组资产和债务组合的决定因素和收入概况的差异。年轻家庭的资产参与决策对收入的响应更大。家庭结构在解释两组人群的跨国差异方面起着重要作用。老年家庭的债务参与和年轻家庭的资产参与可能特别容易受到制度的影响。这可能对政策制定产生重要影响,为促进年轻家庭的资产持有和债务持有提供了空间,以促进老年家庭的消费平滑。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
To own or not to own? Household portfolios, demographics and institutions in a cross-national perspective.
Using harmonized wealth data and a decomposition approach novel to this literature, we identify differences in determinants and in the income profiles of asset and debt portfolios in European and North American countries for two age groups. Younger households’ participation decisions in assets are more responsive to income. Family structure plays a significant role in explaining cross-country differences for both cohorts. Debt participation of older households and asset participation of younger households may be particularly responsive to institutions. This could have important implications for policy setting, suggesting a scope for the promotion of asset holdings among younger households and debt holdings to facilitate consumption smoothing among older households.
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