Asset Building and Low Income Families
Asset Building and Low Income Families
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资产建设和低收入家庭
DOI：
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发表时间：
2008
期刊：
影响因子：
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通讯作者：
Signe
中科院分区：
文献类型：
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作者：
Signe
低收入家庭没有足够的储蓄来缓冲失业或疾病，如果没有资金投资于教育、住房或企业，他们就无法实现经济流动性。虽然缺乏资源使这些家庭变得脆弱，但收入支持计划往往对那些有一点积蓄甚至有车的家庭关闭。考虑到从福利到工作的改革，对美国劳动力日益提高的技能要求，以及我们不堪重负的社会保障体系，这样的方法不足以让家庭摆脱贫困。基于资产的政策?允许甚至帮助低收入家庭积累财富？是一种越来越受欢迎的促进金融稳定的策略。
Low-income families have scant savings to cushion a job loss or illness, and can find economic mobility impossible without funds to invest in education, homes, or businesses. And though a lack of resources leaves such families vulnerable, income-support programs are often closed to those with a bit of savings or even a car. Considering welfare-to-work reforms, the increasingly advanced skill demands of the American workforce, and our stretched Social Security system, such an approach is inadequate to lift families out of poverty. Asset-based policies?allowing or even helping low-income families build wealth?are an increasingly popular strategy to facilitate financial stability.