{"title":"英国少数民族储蓄:一个生命周期分析","authors":"R. Adami, A. Carosi, O. Gough, Anita Sharma","doi":"10.2139/ssrn.2637884","DOIUrl":null,"url":null,"abstract":"In this paper, we apply the life-cycle framework to study saving accumulation and de-cumulation among ethnic minorities in the UK. Our findings reflect large variations between ethnic groups in terms of socio-economic characteristics and saving accumulation during the working life as well as in retirement, with gender, income and education as the most important factors in determining saving behaviours. The Pakistani and Bangladeshi ethnic groups in particular, show greater disadvantage in the workplace, which reflects negatively on their labour income and saving patterns. Although many ethnic minority groups show positive savings at the start of their working lives, the disadvantage experienced in employment has a profound effect on their ability to save for the long-term.","PeriodicalId":39542,"journal":{"name":"Social Security Bulletin","volume":"71 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2014-07-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Ethnic Minorities Saving in the UK: A Life-Cycle Analysis\",\"authors\":\"R. Adami, A. Carosi, O. Gough, Anita Sharma\",\"doi\":\"10.2139/ssrn.2637884\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"In this paper, we apply the life-cycle framework to study saving accumulation and de-cumulation among ethnic minorities in the UK. Our findings reflect large variations between ethnic groups in terms of socio-economic characteristics and saving accumulation during the working life as well as in retirement, with gender, income and education as the most important factors in determining saving behaviours. The Pakistani and Bangladeshi ethnic groups in particular, show greater disadvantage in the workplace, which reflects negatively on their labour income and saving patterns. Although many ethnic minority groups show positive savings at the start of their working lives, the disadvantage experienced in employment has a profound effect on their ability to save for the long-term.\",\"PeriodicalId\":39542,\"journal\":{\"name\":\"Social Security Bulletin\",\"volume\":\"71 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2014-07-30\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Social Security Bulletin\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2139/ssrn.2637884\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q3\",\"JCRName\":\"Social Sciences\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Social Security Bulletin","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2139/ssrn.2637884","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q3","JCRName":"Social Sciences","Score":null,"Total":0}
Ethnic Minorities Saving in the UK: A Life-Cycle Analysis
In this paper, we apply the life-cycle framework to study saving accumulation and de-cumulation among ethnic minorities in the UK. Our findings reflect large variations between ethnic groups in terms of socio-economic characteristics and saving accumulation during the working life as well as in retirement, with gender, income and education as the most important factors in determining saving behaviours. The Pakistani and Bangladeshi ethnic groups in particular, show greater disadvantage in the workplace, which reflects negatively on their labour income and saving patterns. Although many ethnic minority groups show positive savings at the start of their working lives, the disadvantage experienced in employment has a profound effect on their ability to save for the long-term.