Attitudes towards Debt and Debt Behavior*

被引：20

作者：

Almenberg, Johan ^{[1
]}

Lusardi, Annamaria ^{[2
]}

Save-Soderbergh, Jenny ^{[3
]}

Vestman, Roine ^{[3
]}

机构：

[1] Swedish Financial Supervisory Author, SE-10397 Stockholm, Sweden

[2] George Washington Univ, Washington, DC 20052 USA

[3] Stockholm Univ, SE-10691 Stockholm, Sweden

来源：

SCANDINAVIAN JOURNAL OF ECONOMICS | 2021年 / 123卷 / 03期

基金：

瑞典研究理事会;

关键词：

Attitude survey; household borrowing decisions; intergenerational transmission; personal finance; spending; HOUSEHOLD; COUNTRIES; CHILDREN; NORMS;

D O I：

10.1111/sjoe.12419

中图分类号：

F [经济];

学科分类号：

02 ;

摘要：

We introduce a novel survey measure of attitude towards debt. Matching our survey results with panel data on Swedish household balance sheets from registry data, we show that our measure of debt attitude helps to explain individual variation in indebtedness as well as debt build-up and spending behavior in the period 2004-2007. As an explanatory variable, debt attitude compares well with a number of other determinants of debt, including education, risk-taking, and financial literacy. We also provide evidence that suggests that debt attitude is passed down along family lines and has a cultural element.

引用

页码：780 / 809

页数：30

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