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Behavioral Household Finance
John Beshears
Brigitte C. Madrian
James J. Choi
David Laibson
出版
National Bureau of Economic Research
, 2018
URL
http://books.google.com.hk/books?id=MnJzuwEACAAJ&hl=&source=gbs_api
註釋
This chapter provides an overview of household finance. The first part summarizes key facts regarding household financial behavior, emphasizing empirical regularities that are inconsistent with the standard classical economic model and discussing extensions of the classical model and explanations grounded in behavioral economics that can account for the observed patterns. This part covers five topics: consumption and savings, borrowing, payments, asset allocation, and insurance. The second part addresses interventions that firms, governments, and other parties deploy to shape household financial outcomes: education and information, peer effects and social influence, product design, advice and disclosure, choice architecture, and interventions that directly target prices or quantities.