> گروه بندی فایل ها > پژوهش و پایان نامه > دانلود رایگان مقالات لاتین science direct > سال 2016 > Journal of Banking - Finance > دوره 62 ماه January > توصیف فایل ها Early influences on saving behaviour: Analysis of British panel data چکیده ای از مقاله Using data from the British Household Panel Survey and Understanding Society, we examine the saving behaviour of individuals over time. Initially, we explore the determinants of the saving behaviour of children aged 11–15. Our findings suggest that parental allowances/pocket money (earnings from part-time work) lower (increase) the probability that a child saves. There is also evidence that the financial expectations of the head of household have an influence on their offspring’s saving behaviour, where children of optimistic parents have a lower probability of saving by approximately 2 percentage points. However, there is no evidence of an intergenerational correlation in savings behaviour: the saving behaviour of parents appears to have no bearing on the saving decisions of their offspring. We then go on to explore the implications of the saving behaviour of children for their savings decisions in later life, specifically when observed in early adulthood. We find that having saved as a child has a large positive influence both on the probability of saving on a monthly basis and on the amount saved as an adult. This finding is robust to alternative empirical strategies including IV analysis where the most conservative estimates show that having saved as a child increases the probability of saving during adulthood by 12 percentage points. تاریخ ثبت: 1394/11/17 تعداد مطالعه: 318 تعداد دریافت: 12 حجم فایل : 567.97 KB گروه: دوره 62 ماه January دریافت فایل: همراه با تیم: عضویت طرح فیروزه کارتابل(میزکار) همراهان تیم دعوت از دوستان همگام با تیم:عضویت طرح یاقوت همیار با تیم: عضویت طرح زمرد همکار با تیم: عضویت ویژه الماس جستجو یار مالی شغلی مترجم یار مالی حسابداری تور مجازی ارتباط با تیم اجرایی همایون اشکورجیری اشکورجیری | 1395/01/27 14:57:34 | 0 0 ممنون از زحماتی که برای رسیدن این سایت به این مرتبه کشیده اید پاسخ دیدگاه کاربران نام: پست الکترونیک: * متن: * کد امنیتی: * دیدگاه کاربران نام: پست الکترونیک: * متن: * کد امنیتی: *