无条件的现金转移,健康和储蓄
Sefa Awaworyi Churchill1, Nasir Iqbal2, Saima Nawaz3
1School of Economics, Finance & Marketing, RMIT University, Australia.
国家无条件现金转移 (UCT) 可以通过改善健康结果来促进家庭储蓄. 这项研究表明,通过对健康产生积极影响,UCT增加了储蓄的概率和金额,特别是非正式的储蓄.
科学领域:
- 经济学 经济学 经济学
- 公共卫生 公共卫生
- 发展研究 发展研究 研究
背景情况:
- 无条件现金转移 (UCT) 是全球日益增长的政策工具.
- 了解UCT对家庭财务行为的多方面的影响至关重要.
- 信息共享技术,健康和储蓄之间的联系仍然是一个需要进一步研究的领域.
研究的目的:
- 从理论和经验上研究UCTs,健康和家庭储蓄之间的关系.
- 分析UCT改善的健康结果如何影响储蓄决策.
- 检查巴基斯坦贝纳齐尔收入支持计划对储蓄指标的影响.
主要方法:
- 发展一个理论的生命周期消费节约模型,包括医疗支出.
- 对巴基斯坦贝纳齐尔收入支持计划数据的实证分析.
- 检查储蓄指标,包括概率,利率和金额,区分正式和非正式储蓄.
主要成果:
- 在短期和中期内,UCT显著增加了家庭储蓄的概率.
- 联储技术对家庭储蓄的利率和金额产生了积极的影响.
- 信息共享技术对储蓄的影响在非正式储蓄方面比正式储蓄更为明显.
结论:
- 由UCT推动的改善健康结果可以加强家庭储蓄动机.
- 健康作为一个重要的传播道,通过该道,UCT影响储蓄行为.
- 这些发现支持了关于UCT,健康和储蓄的相互作用的理论预测.
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