Saving in lower-income households: a review of the evidence
Saving in lower-income households: a review of the evidence
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低收入家庭的储蓄：证据审查
DOI：
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发表时间：
2009
期刊：
影响因子：
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通讯作者：
Ad Finney
中科院分区：
文献类型：
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作者：
He Kempson;Ad Finney
多年来，促进储蓄一直是政府活动的主题。2008年，金融普惠工作队第二次获得任命，任期三年，其职权范围扩大到包括节约。这项研究的目的是概述低收入家庭非退休储蓄的现有证据，旨在帮助工作队确定提高这些群体储蓄水平的潜力，并改善对受监管供应商储蓄产品的接受。调查结果是基于对文献的回顾和对两个现有数据来源的二次分析：为儿童和儿童储蓄的基线调查（BSSC）;以及储蓄门户的第一个试点，这是一个政府支持的低收入和工作年龄人群的现金储蓄计划。
The promotion of saving has been the subject of Government activity for a number of years. When the Financial Inclusion Taskforce was re-appointed for a second three-year period in 2008, its terms of reference were extended to cover savings. This study was carried out to provide an overview of the existing evidence on non-retirement saving among lower-income households and is intended to help the Taskforce identify the potential for increasing levels of saving among these groups and improving take-up of saving products from regulated providers. The findings are based on a review of the literature and secondary analysis of two existing data sources: the Baseline Survey of Saving for and by Children (BSSC); and the first pilot of the Saving Gateway, a government supported cash saving scheme for people on low incomes and of working age.