减债计划和钱留在桌子上:来自加拿大应对COVID-19的证据
Jason Allen1, Robert Clark2, Shaoteng Li3
1Bank of Canada.
概括
加拿大COVID-19债务减免计划提供了显著的节省,但招生率很低. 许多家庭不知道信用卡救济或面临的障碍.
科学领域:
- 经济学 经济学 经济学
- 公共政策 公共政策
- 消费者金融 消费者金融
背景情况:
- 随着COVID-19的流行,家庭面临着经济困难.
- 短期流动性限制影响了家庭财务状况.
- 政府的干预措施被实施以缓解经济困境.
研究的目的:
- 在COVID-19大流行期间分析加拿大债务减免计划的有效性.
- 评估抵押贷款和信用卡救济措施的采用和影响.
- 确定参与计划的障碍.
主要方法:
- 使用了加拿大信贷局的综合数据.
- 分析了抵押贷款和信用卡救济计划的入学率.
- 研究了影响计划采用的因素,包括意识和非货币成本.
主要成果:
- 观察到有限的入学率:24%的抵押贷款延期和7%的信用卡救济.
- 潜在的家庭储蓄超过了40亿美元.
- 大约80%的符合条件的个人不知道信用卡救济计划.
- 显著的固定非货币成本阻碍了一些人参与该计划.
结论:
- 尽管有相当大的潜在的财政救济,但由于入学率低,该计划的有效性受到阻碍.
- 缺乏意识和非货币障碍显著限制了减债倡议的覆盖范围.
- 对未来的财政援助计划的政策影响,强调沟通和可访问性.
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