Differences in the Likelihood of Ownership of Retirement Saving Assets by the Foreign and Native-Born
Differences in the Likelihood of Ownership of Retirement Saving Assets by the Foreign and Native-Born
复制标题
外国人和本土出生的人拥有退休储蓄资产的可能性差异
DOI：
10.1007/s10834-011-9262-3
复制
发表时间：
2011
影响因子：
2.4
通讯作者：
A. Fontes
中科院分区：
文献类型：
--
作者：
A. Fontes
本研究比较了本地和外来人口退休储蓄资产所有权的决定因素。对收入调查和参与计划数据的分析表明，欧洲或亚洲移民和本地出生的人在拥有所有权的可能性方面似乎没有差异，但拉丁美洲移民和本地出生的人在退休储蓄资产利用方面存在差异。与种族认同、收入和教育相关的分配效应似乎加剧了这些差异。虽然表明文化适应程度更高的因素增加了所有移民群体拥有所有权的可能性，但这些变量影响所有权的方式存在很大差异。一般储蓄资产所有权更多地受到移民的影响，而退休储蓄对文化适应和种族认同更敏感。
This research compares the determinants of retirement savings asset ownership between the native-born and immigrants. Analysis of Survey of Income and Program Participation data indicate there do not appear to be differences in the likelihood of ownership between European or Asian immigrants and the native-born, but there are differences between Latin American immigrants and the native-born in retirement savings asset utilization. Distributional effects related to ethnic identity, income, and education appear to compound these differences. While factors indicating greater acculturation increase the likelihood of ownership for all immigrant groups, there are substantial differences in the way these variables affect ownership. General savings asset ownership is more affected by immigration, while retirement savings is more sensitive to acculturation and ethnic identity.