在美国,2000-2019年,州级发薪日贷款禁令和早产
Samantha Gailey1, Tim Bruckner2, Rania Badran3
1Department of Forestry, CS Mott Department of Public Health, Michigan State University.
Epidemiology (Cambridge, Mass.)
|April 8, 2025
概括
实施国家一级的小额贷款限制与早产率的减少有关. 这一政策变化可能通过限制掠夺性贷款行为来改善婴儿健康结果.
科学领域:
- 公共卫生 公共卫生
- 经济学 经济学 经济学
- 社会学 社会学 社会学
背景情况:
- 快速贷款提供短期的财政救济,但可能导致增加的财务压力和负面的公共卫生结果.
- 高利率,短期贷款的掠夺性不成比例地影响了那些无法获得传统信贷的个人.
研究的目的:
- 调查州级工资贷款限制与美国早产发生率之间的关联.
- 确定政策干预措施限制快速贷款是否与婴儿死亡风险因素的降低相关.
主要方法:
- 利用了来自CDC WONDER数据库的早产儿20年 (2000-2019) 的数据集.
- 应用分级差异分析来比较有或没有薪水贷款限制的州的早产率.
- 用时间序列分析对早产儿的特定州时间趋势进行控制.
主要成果:
- 在实施薪水贷款限制的三年内,早产婴儿的显著下降 (每100个活产婴儿0.22).
- 这种减少相当于预计的早产婴儿数量减少了4,512例.
- 这些发现表明,贷款监管与改善出生结果之间存在统计学意义上的关联.
结论:
- 国家一级的工资快速贷款限制与早产率的减少有关.
- 这些发现支持了这样一个假设:监管掠夺性贷款可以对公共卫生产生积极影响,特别是婴儿死亡率.
- 针对金融准入的政策干预措施可能对母亲和儿童健康产生切实效益.
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