Objective and Subjective Consumer Financial Well-Being
Objective and Subjective Consumer Financial Well-Being
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客观和主观的消费者财务状况
DOI：
10.2139/ssrn.3643575
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发表时间：
2016
期刊：
影响因子：
--
通讯作者：
C. Trepel
中科院分区：
文献类型：
--
作者：
Carsten Erner;C. Fox;John S. Chalekian;Gabriel M. De La Rosa;C. Trepel
近年来，消费者金融决策已进入学术研究和政策制定的聚光灯下，动机不仅与脆弱的个人的财务保护日益关注，但也由于上升的福祉作为一个重要的政策制定目标。由于样本和研究设计的异质性，现有文献仅提供了不完整的表征。在本文中，我们系统地区分了两个维度：（1）客观的财务幸福感，通过信用评分来衡量;（2）主观的财务幸福感，通过评级量表来衡量。我们报告了一项综合研究的结果，该研究使用了美国500名参与者的样本，对与财务状况相关的个体差异进行了全面研究。我们确定了与客观财务状况相关并间接与主观财务状况相关的个体差异的不同子集（例如，挥霍、寻求感觉、耐心），以及仅主观的财务健康（例如，情绪稳定）。来自后续波的数据提供了对随时间推移的过渡行为的额外见解;一些个体差异与优质和次级信用状况组的信用评分变化有关（例如，时间折扣，情绪稳定）。
In recent years, consumer financial decision making has moved into the academic research and policy making spotlights, motivated not only by increased concern with the financial protection of vulnerable individuals but also due to the ascendance of well-being as an important policy making objective. The existing literature only provides a fragmented characterization due to heterogeneous samples and study designs. In this paper, we systematically distinguish two dimensions: (1) objective financial well-being, as measured by the credit score and (2) subjective financial well-being, as measured through a rating scale. We report results from a comprehensive study of individual differences related to financial well-being using a general U.S. sample of 500 participants. We identify distinct subsets of individual differences that are related to objective financial well-being and indirectly to subjective financial well-being (e.g., spendthriftiness, sensation seeking, patience), and to subjective financial well-being only (e.g., emotional stability). Data from a follow-up wave provide additional insights into transition behaviors through time; a few individual differences are related to change in credit score for prime and subprime credit status groups (e.g., time discounting, emotional stability).
影响因子：
3.4
作者：
SAUCIER, G
通讯作者：
SAUCIER, G
影响因子：
2.5
作者：
H. Ersner-Hershfield;M. Garton;Kacey Ballard;G. Samanez-Larkin;Brian Knutson
通讯作者：
H. Ersner-Hershfield;M. Garton;Kacey Ballard;G. Samanez-Larkin;Brian Knutson