在整个欧洲国家,家庭财富在丧偶过程中的变化
Nicole Kapelle1,2, Zachary Van Winkle3,4
1Department of Sociology, Trinity College Dublin, Dublin, Ireland.
概括
寡妇导致住房财富减少,甚至在配偶死亡之前. 这种财富损失对幸存的配偶产生影响,特别是在奥地利和波兰等国家,需要进一步研究其原因和后果.
科学领域:
- 老年学是一门学科.
- 经济学 经济学 经济学
- 社会学 社会学 社会学
背景情况:
- 寡妇会对经济福祉产生重大影响,但研究往往忽视了财富动态,配偶死亡的时间和跨国差异.
- 现有的研究主要关注收入,忽视了积累财富的关键作用.
研究的目的:
- 分析了11个欧洲国家的寡妇过程中的总,住房和非住房财富的变化.
- 调查配偶死亡前后的财富轨迹.
主要方法:
- 利用来自欧洲健康,老龄化和退休调查 (SHARE) 的纵向数据.
- 雇佣的个人固定效应回归模型的财富变化相对于配偶死亡.
- 检查了遗前3年和遗后6年以上的财富动态.
主要成果:
- 总体而言,家庭净财富保持稳定,而在奥地利,捷克共和国和波兰,死亡后的净财富显著下降.
- 在大多数国家,在配偶死亡之前,住房财富的显著下降被观察到.
- 住房财富的下降通常与退出房屋所有权和缩减相关,而不是通过非住房财富变化来补偿.
结论:
- 寡妇与财富的减少有关,特别是住房资产,甚至在配偶丧失之前就会产生影响.
- 需要进一步的研究,以了解国家特定的机制,以及财富损失对幸存配偶和代际转移的影响.
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