Genetic and environmental influences on household financial distress.
Genetic and environmental influences on household financial distress.
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遗传和环境对家庭财务困境的影响。
DOI：
10.1016/j.jebo.2017.08.001
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发表时间：
2017
影响因子：
2.2
通讯作者：
Roberts,BrentW
中科院分区：
文献类型：
--
作者：
Xu,Yilan;Briley,DanielA;Brown,JeffreyR;Roberts,BrentW
家庭财务结果的异质性来自各种个人和环境因素，包括个性、认知能力和社会经济地位(SES)等。使用遗传信息数据集，我们将财务管理行为的变异分解为遗传的、共享的环境因素和非共享的环境因素。我们发现，大约一半的财务困境变异是受遗传影响的，个性和认知能力通过遗传和家庭内部途径与财务困境相关。此外，财务困境的遗传影响在SES的极端水平最高，这在一定程度上可以解释为神经质和认知能力分别在SES低水平和高水平对财务困境有更重要的预测作用。
Heterogeneity of household financial outcomes emerges from various individual and environmental factors, including personality, cognitive ability, and socioeconomic status (SES), among others. Using a genetically informative data set, we decompose the variation in financial management behavior into genetic, shared environmental and non-shared environmental factors. We find that about half of the variation in financial distress is genetically influenced, and personality and cognitive ability are associated with financial distress through genetic and within-family pathways. Moreover, genetic influences of financial distress are highest at the extremes of SES, which in part can be explained by neuroticism and cognitive ability being more important predictors of financial distress at low and high levels of SES, respectively.