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Letteratura scientifica selezionata sul tema "Household Savings"

Autore: Grafiati

Pubblicato: 4 giugno 2021

Ultima modifica: 19 febbraio 2023

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Articoli di riviste sul tema "Household Savings"

Ruranga, Charles, e Scott Hacker. "The Determinants of Households Having Savings Accounts in Rwanda". Rwanda Journal of Social Sciences, Humanities and Business 1, n. 1 (5 agosto 2020): 6–19. http://dx.doi.org/10.4314/rjsshb.v1i1.2.

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This paper analyses the determinants of Rwandan households having savings accounts using Integrated Household Living Conditions Survey (IHLCS) data of 2010/11. After a background discussion and literature review an empirical analysis is presented with different variables adopted and analysed as determinants of household’s head having savings accounts. Poverty level, age, gender, residential area and level education of household head (literate or not) were considered as independent variables of the study. Findings from the estimations of logit models indicate the likelihood of a household having a savings account is positively and significantly related to each of the following: non-poor status of the household,the household residing in an urban area, the household head being male, and the household head being literate. Having the household head be literate tends to be more important for younger household heads and for non-poor households. The proportion of households having money in a savings account more than doubled over the decade between the IHLCS 2000/2001 survey and the IHLCS 2010/2011 survey. Government policies on savings and poverty reduction may explain the trend of increased cash balances in saving accounts. Key Words: Savings, Bank Accounts, Households, Determinants,

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Chua, Nina Ellorah A., Shaira Kasey L. Kiong, Kristine Honey M. Villa e Ronald B. Paguta. "A Tobit Analysis of the Determinants and Potentials of Savings in the Case of Payatas Households". Information Management and Business Review 8, n. 3 (31 luglio 2016): 47–57. http://dx.doi.org/10.22610/imbr.v8i3.1331.

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This case study aims to identify the factors affecting household savings in the Area B of Payatas, Quezon City. Particularly, the variables included in the analysis are economic expectations, homeownership, household consumption, household debt, household disposable income, and number of dependents in the household. This paper also aims to analyze the saving potentials of households in Payatas. A total of 422 conditionally and randomly selected households were interviewed through a guided survey questionnaire. The researchers utilized Tobit regression and computed for the conditional marginal effects for both the censored and truncated sample. The results of the study were divided into three: Tobit regression results, conditional marginal effects results on all respondents, and the conditional marginal effects results on household savers. Significant variables such as economic expectations and household disposable income were found to be positively related to household savings, and household consumption was negatively related to household savings. This case study shows that Payatas B households do have saving potentials irrespective of their low income showing high request for accessibility on formal saving institutions.

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Haider, Sajid, Munir Ahmed, Carmen de Pablos e Aasma Latif. "Household Characteristics and Saving Motives". International Journal of Applied Behavioral Economics 7, n. 1 (gennaio 2018): 35–52. http://dx.doi.org/10.4018/ijabe.2018010103.

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The main objective of this study was to examine the likelihood of household savings in relation to their characteristics, and analyze whether households move to upper level in hierarchy of saving motives as described in Maslow's Hierarchy of Needs Theory. This research used primary data by using a questionnaire with six categories of saving motives—daily expenses, emergency motives, major purchases, retirement, children, and investment. Multinomial logistic regression was used to test the relationship between household characteristics and saving motives. The results indicate that households with different characteristics save for different motives, and a change in household characteristics causes movement in the hierarchy of saving motives. Lower income households save for lower level needs i.e. daily expenses, while high income households save for higher needs such as investment. Savings for children was reported as the most important saving motive and existed in almost all income groups. Results have implications for policy makers and professional in behavioral finance.

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Ahvenniemi, Hannele, e Tarja Häkkinen. "Households’ potential to decrease their environmental impacts". International Journal of Energy Sector Management 14, n. 1 (6 gennaio 2020): 193–212. http://dx.doi.org/10.1108/ijesm-02-2019-0009.

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Purpose The purpose of this paper is to quantify the potential levels of greenhouse gas (GHG) and cost savings from a set of households’ energy saving measures, considered as “everyday choices”. Design/methodology/approach Four areas of living were selected for the study: household electricity, space heating, transport and food consumption. The study used a quantitative research approach in which the impact of selected scenarios of an average Finnish household was assessed. Findings Findings suggest that GHG savings from behavioural change regarding household electricity remain marginal in comparison to savings gained from transportation related measures. Transportation also provides the most cost-efficient ways to decrease GHGs but not in all cases. Based on the results, the authors suggest that smart technologies, such as on-line, active feedback systems could have a major role in guiding household energy use. Also, given the high GHG savings from transport, the authors highlight the importance of providing infrastructure and services for clean mobility, and in designing well-functioning and compact cities enabling shorter travels. Originality/value The aim of our study was twofold – by analysing the case household’s choices, we obtained information on environmental and economic impacts, but in addition to this, the aim was to open discussion on the role of households in tackling climate change and how to support households in making sustainable choices. Although research regarding household energy behaviour is vast, so far very few studies have focused on both economic and environmental impacts of households’ everyday actions.

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A. Burney, Nadeem, e Ashfaque H. Khan. "Socio-economic Characteristics and Household Savings: An Analysis of the Households' Saving Behaviour in Pakistan". Pakistan Development Review 31, n. 1 (1 marzo 1992): 31–48. http://dx.doi.org/10.30541/v31i1pp.31-48.

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Domestic resource mobilization is one of the key determinants of sustained economic growth. Pakistan's perfonnance with regard to domestic resource mobilization has been poor despite maintaining a respectable economic growth rate. Why is the savings rate so low in Pakistan? In this paper we analyse the household savings behaviour in Pakistan, using micro level data of the Household Income and Expenditure Survey (HIES) for the year 1984-85. Three different non-linear savings functions attributed to Keynes, Klein, and Landau are estimated separately for the urban and the rural households, using the Ordinary Least Squares (OLS) technique. It is found that the average income and saving of an urban household are considerably higher than those of overall Pakistan or a rural household. However, contrary to the general belief, it is found that the propensity to save of the rural households is much higher than that of their urban counterparts. The dependency ratio and the various categories of education are found to have a negative influence on household savings. No systematic relationship is found between savings and the employment status and occupation of the household head. It is found, however, that saving increases with age but tends to decline when the age crosses a certain limit - a finding consistent with the Life Cycle Hypothesis.

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Späth, Jochen, e Kai Daniel Schmid. "The Distribution of Household Savings in Germany". Jahrbücher für Nationalökonomie und Statistik 238, n. 1 (26 marzo 2018): 3–32. http://dx.doi.org/10.1515/jbnst-2017-0120.

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Abstract Against the ongoing assessment of the root causes of rising economic inequality in industrialized countries, analyses of the distribution of savings along the income and wealth distribution are of high interest. We analyze the concentration of household savings in Germany by estimating saving amounts, saving rates and shares in aggregate savings across income and wealth groups. Our calculations are based on the Sample Survey of Household Income and Expenditure (EVS), containing more than 40,000 households in Germany. We show that the concentration of savings is substantial: while the top income decile’s share in total savings reaches 60 percent, the lower half of the income distribution on average does not save at all. Across wealth groups the concentration of savings is somewhat less pronounced. We also look beyond the top income threshold underlying the EVS (18,000 euros of monthly net household income) and demonstrate that corrected saving rates for the top income groups are considerably higher than those derived from the EVS alone. Hence, the top income groups’ shares in aggregate savings exceed estimated shares solely based on EVS data, revealing a substantially more pronounced concentration of savings along the income distribution.

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Shin, Su Hyun, e Kyoung Tae Kim. "Perceived Income Changes, Saving Motives, and Household Savings". Journal of Financial Counseling and Planning 29, n. 2 (novembre 2018): 396–409. http://dx.doi.org/10.1891/1052-3073.29.2.396.

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Using the 2007–2009 Survey of Consumer Finances panel dataset, we investigate whether and how changes in perceived income and saving motives are related to demand for household savings in the United States after the Great Recession. Households that perceive their current income as lower, relative to normal years are less likely to save than those who view that their income is the same as the reference point. This result holds only for those who experienced a significant negative income shock during the Great Recession. Among five major saving motives, saving for an emergency is an important factor in explaining the likelihood of saving. This study suggests that financial planners and educators should pay close attention to the role of households’ income perception and saving motives and should account for the resulting potential psychological biases in households’ saving decisions.

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Hsueh, Li-Min. "International Real Estate Review". International Real Estate Review 3, n. 1 (30 giugno 2000): 11–33. http://dx.doi.org/10.53383/100019.

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The purpose of this research is to empirically test whether house price increases are an important factor in a household’s savings decisions and whether housing tenure choice and savings behavior are inter-correlated in Taiwan. Heckman's two-stage procedure for correcting sample selection bias is used in the estimation of savings function for homeowners and renters. Household survey data from 1985, 1989 and 1993 are used to compare households' saving behavior at different times. The empirical results show that in some cases the coefficients of the two different definitions of house price increases have opposite signs. These differences may be the result of different behavior motives. House price increases with respect to the price of the house itself seem to cause concern among households about future housing prices; hence, increase their savings ratio. House price increases with respect to income, however, seem to cause a wealth effect and then decreased savings ratio. Considering the complexity of households' reaction, the overall effect of house price changes on the aggregate savings ratio becomes impossible to determine.

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Slddlqui, Rehana, e Rizwana Slddlqui. "Household Saving Behaviour in Pakistan". Pakistan Development Review 32, n. 4II (1 dicembre 1993): 1281–92. http://dx.doi.org/10.30541/v32i4iipp.1281-1292.

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Household saving, which is a part of national saving, is expected to contribute to economic growth significantly. Its share in the total national savings of Pakistan, during 1960-90, was about 83 percent, ( and in gross national product it varied between 6.6 percent and 10 percent, in the early 1980s.2 This is a significantly high proportion considering the meagre total national saving ratio in Pakistan. The analysis of savings is a controversial issue. First. there is no standard empirical definition of household savings. Should consumer durables be considered a part of household saving? Should human capital be considered a part of household saving? These are important questions. Answers to these questions will be useful for the analysis of consumer preferences and for public policy. The rationale for the inclusion of consumer durables as a' part of household saving is that they are like productive assets purchased in order to provide for a flow of services. Similarly, human capital is expected to raise labour productivity and its future income and consumption. The second issue is the response of each component of saving to changes in economic and demographic factors.3 For example, jewellery and assets may respond differently to changes in economic and/or social conditions. Third, since the theoretical literature defines saving as a residual there is no standard functional form of the empirical saving function. In this paper, we estimate different functional forms to analyse savings behaviour in Pakistan.

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Pruntseva, Gelena, Stepan Davymuka, Valentyna Yakubiv, Taras Vasyltsiv, Iryna Anhelko, Inna Irtyshcheva, Yuliia Maksymiv, Iryna Hryhoruk, Rostyslav Bilyk e Nazariy Popadynets. "The analysis of factors affecting the household savings as a part of food security management". International Journal of Data and Network Science 5, n. 4 (2021): 769–74. http://dx.doi.org/10.5267/j.ijdns.2021.7.004.

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Ensuring household food security should be a priority goal of state policy. The level of ensuring household food security reflects the state of the country's economic development and the effectiveness of agricultural policy. Household food security is achieved by ensuring a high level of purchasing power of households, which is possible by increasing income. Savings are the “safety cushion” for households during the financial and economic crisis caused by the coronavirus pandemic. The level of household savings is important both for the households themselves and for the country's economy, since savings, on the one hand, help to avoid hunger during crises, and, on the other hand, are an important investment resource for the country's economy. That is why assessing the level of household savings and identifying factors affecting savings are important aspects of building an effective government policy in the field of food security.

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Più fonti

Tesi sul tema "Household Savings"

Klein, Sean Patrick. "Household savings and portfolio choice". Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/58182.

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Thesis (Ph. D.)--Massachusetts Institute of Technology, Dept. of Economics, 2010.
Cataloged from PDF version of thesis.
Includes bibliographical references.
This thesis consists of three essays that examine household savings and portfolio choice behavior. Chapter One analyses the effects of employer matching contributions and tax incentives on participation and contribution behavior in employer-sponsored 401(k) savings plans. Employer sponsored retirement savings plans consist of several different incentives designed to increase employee savings, including matching contributions, tax deductibility, and tax free compounding. There is a substantial literature on the effects of match rates on retirement savings, but little on the effects of preferential tax treatment. This chapter provides estimates of the impact of employer matching and tax deductibility on retirement savings using a uniquely suited dataset from a large United States Corporation. I estimate that the effect of a one percentage point change in the match rate corresponds to a 0.06 percentage point increase in savings plan participation rates, while a similar one percentage point increase in marginal tax rates increases participation by 1.35 percentage points. Changes in the match rate have an insignificant effect on contribution rates (conditional on participation), though a one percentage point change in marginal tax rates tends to increase contribution rates by 0.16 percentage points. The effects of the match rate and marginal tax rate are transformed into changes in the annualized rate of return of the savings plan and this disparity remains.
(cont.) Finally, these estimates are used to calculate the changes in wealth at retirement due to changes in match rates and marginal tax rates under a variety of parameterizations. Chapter Two examines the trading and contribution behavior of employees participating in the 401(k) plan at a large United States corporation. This corporation offers employer matching contributions in company stock, and employees are prohibited from trading the matching contributions for an extended period. The empirical work details evidence of rebalancing behavior that is impacted by vesting restrictions and within-firm variation in match rates. Employees are between 3 and 7 percentage points more likely to rebalance their retirement portfolio once matching contributions have fully vested, and an additional 6 to 11 percentage points more likely if they face a 100% match rate relative to a 50% match rate. Variation in match rates also leads to changes in composition of employee contributions: increases in the match rate lead to decreases in the amount of company stock that the employee purchases with their own funds. Employees are between 13 and 19 percentage points less likely to contribute their own income to the matched asset and, if they still contribute to company stock, the employee's own-money contributions in company stock fall by between 13 and 18 percentage points. Together, these estimates provide evidence that employee contribution and rebalancing behavior is altered by asset-specific matching contributions and by restrictions on the trade of particular assets.
(cont.) Chapter Three uses data from multiple panels of the Survey of Income and Program Participation to identify the effect of unemployment insurance benefits on household savings behavior. This chapter extends existing literature on precautionary savings and insurance to allow for the fact that insurance benefits are multi-dimensional, including replacement rates and benefit durations; incorporates additional econometric methods to accommodate the skewness and variation in household savings; allows for heterogeneous savings responses based on the likelihood of the insured risk through a two-step estimation procedure; and by allowing insurance benefits to affect the level and composition of assets by analyzing changes in the composition of the household's portfolio across assets that are likely (or unlikely) to represent precautionary savings. I find suggestive evidence of quantitatively large reductions in precautionary savings behavior in response to variation in both replacement rates and benefit durations, though these results are not statistically distinguishable from zero. The negative effect of benefit increases on savings is magnified for households at greater risk of unemployment, and for the households with below median levels of financial wealth, though again these results are statistically insignificant once standard errors are properly adjusted. These extensions do not provide enough power to detect savings responses to variation in insurance benefits at standard levels of confidence, despite point estimates that represent economically large responses.
by Sean Patrick Klein.
Ph.D.

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Fredriksson, Cajsa. "Determinants of household savings : An international cross-country analysis to detect the determinants of household savings". Thesis, Karlstads universitet, Handelshögskolan (from 2013), 2020. http://urn.kb.se/resolve?urn=urn:nbn:se:kau:diva-79936.

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The purpose of this paper is to look into the determinants of household savings in an international cross-section. The focus is on the effects from social security, old-age dependency, participation rate and change in unemployment, among other variables as an addition to the disequilibrium saving hypotheses, which is the base theory for the savings function. The fixed-effect least square dummy variable method is used on panel data of 14 OECD countries over the time-span 2000 to 2018. The determinants that has a significant effect on household saving in the empirical result is unanticipated income; a positive sign supports the permanent-income hypothesis and the disequilibrium saving hypothesis. This means that individuals tend to save the transitory income. The next significant variable is the lagged savings rate, which indicates inactivity in the savings behavior. The change in the unemployment rate is also significant and the positive sign supports the uncertainty hypothesis, indicating that individuals tend to save for precautionary reasons. The last significant variable was social security and it had a negative effect on household savings; which is supported by the life-cycle hypothesis, and can indicate a wealth substitution effect or general confidence in the social security system.

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Persson, Sanna, e Jerry Pettersson. "The connection between household savings ratio and human development index : Which factors affect the household savings ratio?" Thesis, Linnéuniversitetet, Institutionen för ekonomistyrning och logistik (ELO), 2019. http://urn.kb.se/resolve?urn=urn:nbn:se:lnu:diva-87939.

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This thesis investigates which factors affecting savings behavior by using a fixed effect regression model. To see what affects the household savings rate the following independent variables is considered: Natural logarithm of trend per capita income, natural logarithm of deviation from trend per capita income, growth of disposable income, real interest rate, inflation, wealth in relation to household disposable income, foreign savings in relation to disposable income, dependency ratio and human development index. To see whether changes of human development within a county impacts the household´s savings ratio this variables was included in a separate regression. To avoid possible biasedness from ordinary least square, a panel data technique called fixed effect regression model is used. The investigated time period is between year 1999 and 2016 and to make a restriction, variables from 25 developed countries were studied. The involved economic theories in this work are Keynesianism, permanent income hypothesis and the savings theory behind Maslow´s behavioral pyramid. The result made by using this study is that growth in income and foreign savings in relation to disposable income is insignificant and can´t be used in explaining the differences between household´s savings. Human development index within a country has a negative effect on the savings ratio but a conclusion regarding whether changes in HDI´s does affect savings can´t be made and more research within that field is needed.

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Dal, Borgo Mariela. "Essays in household savings and portfolio choice". Thesis, University of Warwick, 2015. http://wrap.warwick.ac.uk/72943/.

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The first part of this thesis presents a decomposition of household savings. One of the explanations for the wealth gap is that households with the same income level and demographic characteristics present differences in saving rates. This issue has been studied for African American versus Whites, but has not been directly addressed for Hispanics. Using pre-retirement data from the Health and Retirement Study, I compute saving rates as the ratio of wealth change to income over the years 1992-1998 and 1998-2004. In a regression framework I find that Mexican Americans, but not other Hispanics, have lower saving rates than Whites, even after controlling for income and socio-demographic factors. The inclusion of Social Security (S.S.) and pension wealth widens the gap further, which reflects the lack of pensions’ coverage among Mexican Americans. In contrast, the difference between African Americans and Whites is only significant when retirement assets are not added to total wealth, consistent with the equalizing effect of S.S. Then I conduct a regression decomposition for the mean gap in saving rates and find that: i) the component of the Mexican American-White differential not explained by observable characteristics becomes significant when S.S. and pensions are included; ii) with or without retirement assets the unexplained racial gap disappears; and iii) income and education are the main predictors of the savings gaps. The second and third parts investigate the effect of bankruptcy protection on households’ portfolio choice. The debtor protection provided by the U.S. personal bankruptcy law reduces exposure to uninsurable risks: it allows defaulters to discharge unsecured debt and to protect a certain amount of home equity. A reduction in background risk - for example, resulting from labor or entrepreneurial income - can affect the demand for risky financial assets. Thus, the bankruptcy protection can affect ex ante households’ willingness to tilt the financial portfolio towards those assets. On the one hand the implicit consumption insurance may lead to higher risk-taking by increasing the consumption floor if there is a negative wealth shock ("risk-taking channel"). On the other hand, more generous bankruptcy provisions will lead to a reduction in the demand for stock via: i) a higher probability of bankruptcy, since stocks are lost in bankruptcy because they are not protected ("protection channel"); or ii) worse credit market conditions -less access to credit at a higher price-, since higher bankruptcy protection implies a reduction of the collateral ("credit market channel"). In the context of a portfolio choice model, in the second chapter I illustrate how the bankruptcy protection can affect risk-taking through the "risk-taking channel" and the "protection channel". In the third part, I examine empirically the relationship between bankruptcy protection and stock market participation by exploiting the variation in that protection across states and over time. I find that doubling the amount of home equity that can be protected reduces stock ownership by 2 p.p. at intermediate protection levels ($22,000 to $90,000). This decline is restricted to high-asset and high-income households, which are more likely to participate in the stock market. Since poor rather than rich households are affected by worse credit market conditions when bankruptcy becomes more generous, the "credit market channel" is not a plausible mechanism. I do not find any effect of higher protection on the share of stocks in liquid assets, which suggests that the bankruptcy protection does not affect households’ risk appetite. My findings are consistent with unprotected rather than risky assets becoming less attractive as the level of protection increases, as predicted by the "protection channel".

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Dellien, Hans. "Household Savings and Deposits in Rural Honduras". Connect to resource, 1997. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1215015711.

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Brito, González Fernando José. "Fertility and household savings: the case of Chile". Tesis, Universidad de Chile, 2016. http://repositorio.uchile.cl/handle/2250/138145.

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Magíster en Economía Aplicada
Ingeniero Civil Industrial
There is consensus among economists and policy makers that higher saving rates foster domestic investment and economic growth. Therefore, understanding the determinants of savings is a fundamental concern for economic development. Consistent with the life-cycle hypothesis, one of the key determinants of savings is demographics. The decline in fertility and the forthcoming population aging, particularly in emerging economies, have the potential to reshape age structure and affect domestic savings. Thus, exploring the dynamics of demographics plays a central role in the study of the main determinants of household savings. This study estimates the impact of the quantity of children on household savings. To explore this issue, this paper employs Chilean cross-sectional micro-data from the Household Expenditure Survey (waves 1987, 1997, 2007 and 2012). A main problem in the study of the relationship between the number of children and household savings is endogeneity. The number of children is likely to affect household savings, but the reverse causal effect may also be true. The household data set used in this study not only allows us to control for attributes at households level, but also to deal with potential endogeneity. Specifically, this paper contributes to the literature on the demographic-savings nexus using an Instrumental Variable approach to avoid potential endogeneity biases. Specifically, this study exploits the fact that sex sibling composition generates an exogenous variation of the household's quantity of children. Consistent with the idea that Chilean parents prefer balanced sex ratios in their family composition, this study cannot reject the null hypothesis that the sex sibling composition of the first two children significantly affects the probability of having a third child. Another advantage of this instrument is that the sex of a child is randomly determined. Thus, an instrumental variable constructed from the sex sibling composition proves to satisfy both the relevance and exclusion conditions. Studies that do not take into account potential endogeneity problems found little effect (see, e.g., [Harris et al., 2012] or [Gallego and Butelmann, 2001]). However, once we deal with potential endogeneity, this paper finds that the effect of the number of children on household savings is statistically significant and economically meaningful. This study finds an average effect of -13.98%. This effect is progressive in the sense that it is small for the poor (-8.05%) and large for the rich (-18.29%). The main conclusion of this paper is that the demographic transition increased average savings rates in Chile. Specifically, while parents (of all socioeconomic segments of population) begun to have less children and postponing parenting they automatically decreased household's consumption and via labor offer they also increased household's income. Additionally, they had an important precautionary motive for increasing savings rate. Increased savings rates due to fertility trends, however, was mostly observed among the rich. This show us how much can be gained from well run public policies targeted to the poor. Governmental aid that not only provides basic goods and services to reduce marginal propensity to consume, but also that promotes basic financial education to make young people conscious on the consequences of their consumption lifestyles, can have a dramatic positive effect and can help to match up opportunities.

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Huang, Peng. "Determinants of household saving in China". Master's thesis, Lincoln University. Commerce Division, 2006. http://theses.lincoln.ac.nz/public/adt-NZLIU20061202.004631/.

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It is a conventional wisdom that since the start of the Chinese economic reform in 1978, the domestic saving structure in China has changed significantly. Previous studies of household saving in China (for example: Qian, 1988, Feltenstein et al, 1990, and Wakabayashi and Mackellar, 1999) have usually relied upon the Keynesian absolute-income hypothesis, Duesenberrys relative-income hypothesis, and Friedmans permanent-income hypothesis. This thesis uses the Modigliani-Brumberg life-cycle hypothesis to examine the determinants of household saving behavior in the Peoples Republic of China during the period 1978 to 2003. The research uses modern cointegration techniques to examine the impact on saving rates of economic growth, age dependency, wealth, the real interest rate, social security payments and unemployment (as a proxy for income uncertainty). Autoregressive distributed lag models are constructed and tested. The results find that economic growth, the real interest rate and social security payments have the expected effect with significant parameters; age dependency has the expected sign but in one model is not statistically significant; and that unemployment is not significant. The most surprising result is that increases in household wealth are associated with increased saving rates, which may help explain very high economic growth rates in China post 1978.

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Moyo, Dambisa Felicia. "Essays on the determinants of components of savings in developing countries". Thesis, University of Oxford, 2002. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.270137.

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Lan, Lan. "Essays on Household Savings, Intergenerational Transfers, and Production Network". Thesis, Toulouse 1, 2018. http://www.theses.fr/2018TOU10058/document.

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Cette thèse étudie plusieurs sujets dans Macroeconomics, qui contient trois articles indépendants, chacun correspondant à un chapitre. Un fil conducteur des trois articles est d'aborder les questions macroéconomiques du point de vue de la théorie et des données au niveau micro. Le premier et le deuxième chapitre explorent les taux d'épargne de la Chine en utilisant la théorie et les enquêtes au niveau des ménages. Il explique le profil « en forme de Dromadaire » des ménages chinois, en mettant l'accent sur les transferts intergénérationnels. Le troisième chapitre explore la propagation des volatilités au niveau de l'entreprise dans le réseau de production. La thèse comprend trois chapitres, chacun étant autonome et pouvant être lu séparément. Le premier chapitre étudie comment les transferts intergénérationnels peuvent expliquer le profil d'épargne en forme de chameau des ménages chinois. À partir de 2005, un profil « démodé »» en forme de chameau des ménages chinois a commencé à émerger, ce qui a été documenté par diverses études. Cette fonctionnalité en « forme de chameau » est déroutante étant donné qu'elle est en contradiction avec l'hypothèse du cycle de vie. Dans un modèle à générations imbriquées quantitatives (OLG), les taux d'épargne sont liés à l'altruisme des parents et aux contraintes de crédit de leurs enfants, au moyen de transferts intergénérationnels. Les taux d'épargne des parents d'âge moyen diminuent avec l'altruisme («altruisme») et l'étroitesse des contraintes de crédit de leurs enfants sur l'achat d'un logement (« contrainte de crédit »). Les estimations des taux d'épargne sur le cycle de vie basées sur ce modèle s'alignent bien avec les données.Le deuxième chapitre valide l'hypothèse sur l'altruisme, les contraintes de crédit et les taux d'épargne. En utilisant un échantillon de couples parent-enfant appariés tirés des études de panel sur la famille en Chine, ce chapitre teste le canal « altruisme » en exploitant la mort exogène des enfants comme une expérience naturelle. Ensuite, je teste le canal « contrainte de crédit » à partir de deux mécanismes : l'allocation aléatoire des diplômés militaires à différentes villes, et la variation inter-villes de l'accessibilité hypothécaire. Les parents dont les enfants sont envoyés par l'armée dans des villes où les prix des logements sont plus élevés ont des taux d'épargne inférieurs, ceteris paribus. L'accès à des escomptes d'acompte pour les acheteurs de maison entraîne une augmentation des taux d'épargne de leurs parents. Le troisième chapitre examine si les chocs idiosyncratiques au niveau de l'entreprise se propagent dans les réseaux de production. Ce document identifie les chocs idiosyncratiques avec des fusions et acquisitions (M & A). Il constate que les événements de fusions et acquisitions imposent des gains de productivité et de revenus substantiels sur les entreprises cibles. Ces gains se traduisent par une augmentation significative de la production et se répercutent sur leurs clients grâce à des liens intrants-extrants. Étonnamment, les effets indirects des fusions et acquisitions sur les entreprises clientes sont beaucoup plus importants que les effets directs sur les entreprises cibles. Cela vient du fait que les fusions et acquisitions entraînent une augmentation de l'asymétrie dans la structure du réseau, ce qui amplifie encore les chocs au niveau de l'entreprise
This thesis investigates several topics in Macroeconomics, which contains three self-contained papers, each corresponds to one chapter. A common thread of the three papers is to address macroeconomic questions from the perspective of micro-level theory and data. The first and second chapter explore China’s saving rates using household-level theory and surveys. It explains the “camel-shaped” age-saving profile of Chinese households, with a focus on intergenerational transfers. The third chapter explores the propagation of firm-level volatilities in production network. The thesis consists of three chapters, each of which is self-contained and can be read separately. The first chapter investigates how can intergenerational transfers explain the camel-shaped agesaving profile of Chinese households. Commencing in 2005, a “camel-shaped” age-saving profile of Chinese households began to emerge, which has been documented by various studies. This “camel-shape” feature is puzzling considering that it is at odds with the Life-Cycle Hypothesis. In this paper, we show that the camel-shaped age-saving profile of Chinese households is largely due to the middle-aged households generating a vast amount of intergenerational transfers. These households transfer a significant fraction of their wealth to their children and parents, primarily to their children. In a quantitative overlapping generations(OLG) model, saving rates are linked with altruism of parents and credit constraints of their children, through intergenerational transfers. Saving rates of middle-aged parents decline with altruism (“altruism” channel”) and the tightness of their children’s credit constraints on housing purchase (“credit constraint” channel). The estimations of life-cycle saving rates based on this model line up well with the data. The second chapter validates the hypothesis on altruism, credit constraints and saving rates. Using a sample of matched parent-child pairs from the China Family Panel Studies, this chapter tests the “altruism” channel by exploiting the exogenous deaths of children as a natural experiment. Next, I test the “credit constraint” channel from two mechanisms: random allocation of military graduates to different cities, and cross-city variation of mortgage accessibility. Parents whose children are sent by the military to cities with higher housing prices have lower saving rates, ceteris paribus. Access to discounts of down payments for homebuyers leads to an increase in their parents’ saving rates. The third chapter examines whether firm-level idiosyncratic shocks propagate in production networks. This paper identifies idiosyncratic shocks with mergers and acquisitions (M&A). It find that M&A events impose substantial productivities and revenues gains on the target firms. These gains translate into significant output increase and spill over to their customers through input-output linkages. Surprisingly, the indirect effects of M&A on customer firms are much larger than the direct effects on target firms. This comes from the fact that M&As leads to increase of asymmetry in network structure, therefore further amplifies the firm-level shocks

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Frache, Derregibus Serafin. "Essays on households' consumption and saving decisions". Thesis, Queen Mary, University of London, 2014. http://qmro.qmul.ac.uk/xmlui/handle/123456789/8909.

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In this thesis I contribute to the applied study of households' consumption and saving behaviour. In the first chapter I introduce and explain why it is relevant to understand how households react to income shocks in terms of their consumption and saving decisions. The second chapter is inspired by a recent paper by Krueger and Perri (2011), who argue that the observed response of household wealth to income shocks, which is smaller over long periods, provides evidence in favour of the classic permanent-income model with perfect financial markets. Whether a model with financial market imperfections, however, such as the standard incomplete-markets model with liquidity constraints, can also generate such a wealth response crucially depends on the importance of precautionary wealth accumulation. I structurally estimate a model with a precautionary- savings motive and show that it can generate the observed wealth responses in the data. I further show that the wealth responses to income shocks do not allow us to rule out financial market imperfections. In the third chapter I extend the analysis, studying empirically what can be learned from international evidence on the way in which households react to income. I use detailed panel data from newly available surveys of Chile, Spain and the United States. Although it compares three different countries with dissimilar levels of development in their financial markets, the evidence suggests that the amount of precautionary savings in these economies is low and that household behaviour is not strongly influenced by the presence of borrowing constraints. The structural estimation for all countries suggests a low target level of wealth resulting from high levels of impatience or low levels of risk aversion. In the fourth chapter I extend the analysis to the real estate properties owned by the households. I revisit the Italian data, building on Kaplan and Violante (2014) who have argued that a substantial fraction of wealthy households with illiquid wealth, such as real estate, behave as hand-to-mouth consumers. In exploring the data, I find that, in the Italian sample, households which adjust their illiquid wealth show responses to income shocks like permanent-income consumers. Instead households which do not adjust their illiquid wealth, and whose behaviour in general can thus not be characterised by the first order conditions, show responses to income shocks which suggest a stronger precautionary-saving motive, such as wealthy hand-to-mouth consumers might be expected to show. The fifth chapter provides the conclusions of the thesis.

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Libri sul tema "Household Savings"

Denizer, Cevdet. Household savings in transition economies. Cambridge, MA: National Bureau of Economic Research, 1998.

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D, Muraleedharan. Savings mobilisation in household sector. Delhi: Authors Press, 2003.

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Fund, International Monetary. Urban and rural household savings in China. Washington, D.C: International Monetary Fund, 1988.

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Rahman, Rushidan Islam. Rural households' attitude towards savings and demand for savings services. Dhaka: Save the Children (USA), 1998.

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Lall, Simik V. Household savings and residential mobility in informal settlements. [Washington, D.C: World Bank, 2005.

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Bill, David. Practical home energy savings. Snowmass, CO (1739 Snowmass Creek Rd., Snowmass 81654-9199): The Institute, 1991.

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Taxation and household savings in India: An empirical study. New Delhi: Indian Council for Research on International Economic Relations, 1986.

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Amann, Jennifer Thorne. Consumer guide to home energy savings. 9^a ed. Washington, D.C: American Council for an Energy-Efficient Economy, 2007.

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Devereux, Stephen. Credit and savings in Kavango and Caprivi, Namibia. Windhoek, Namibia: Social Sciences Division, Multi-Disciplinary Research Centre, University of Namibia, 1996.

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Amromin, Gene. Precautionary savings motives and tax efficiency of household portfolios: An empirical analysis. Washington, D.C: Federal Reserve Board, 2005.

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Capitoli di libri sul tema "Household Savings"

Edison, Hali. "Household Savings in Japan". In Japan's Economic Revival, 31–43. London: Palgrave Macmillan UK, 2008. http://dx.doi.org/10.1057/9781137001603_3.

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Grossbard, Shoshana, e Alfredo M. Pereira. "Savings, Marriage, and Work-in-Household". In The Marriage Motive: A Price Theory of Marriage, 191–209. New York, NY: Springer New York, 2014. http://dx.doi.org/10.1007/978-1-4614-1623-4_11.

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Clodic, D., e M. Ben Yahia. "Last Progresses for Energy Savings for Domestic Refrigerators". In Energy Efficiency in Household Appliances, 539–46. Berlin, Heidelberg: Springer Berlin Heidelberg, 1999. http://dx.doi.org/10.1007/978-3-642-60020-3_61.

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Hoken, Hisatoshi. "Household Savings Decisions and Institutional Development: The Case of Rural Households in China". In Recovering Financial Systems, 179–207. London: Palgrave Macmillan UK, 2006. http://dx.doi.org/10.1057/9780230624863_9.

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Stamminger, Rainer. "20% Less Energy on Washing Machines: How Were the Savings Achieved?" In Energy Efficiency in Household Appliances and Lighting, 48–57. Berlin, Heidelberg: Springer Berlin Heidelberg, 2001. http://dx.doi.org/10.1007/978-3-642-56531-1_10.

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Li, Xiang, e Yuan-yuan Wang. "Study on Household Savings Prediction Based on Support Vector Machine". In Advances in Mechanical and Electronic Engineering, 321–27. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-31516-9_52.

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Cristadoro, Riccardo, e Daniela Marconi. "Urban and Rural Household Savings in China: Determinants and Policy Implications". In The Chinese Economy, 101–35. Berlin, Heidelberg: Springer Berlin Heidelberg, 2012. http://dx.doi.org/10.1007/978-3-642-28638-4_6.

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Xiang, Li. "Research of Household Savings Prediction Based on SVM and K-CV". In Lecture Notes in Electrical Engineering, 553–60. London: Springer London, 2013. http://dx.doi.org/10.1007/978-1-4471-4856-2_66.

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Agarwal, Sumit, Wenlan Qian e Ruth Tan. "Saving". In Household Finance, 29–96. Singapore: Springer Singapore, 2020. http://dx.doi.org/10.1007/978-981-15-5526-8_2.

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Kaufman, Carol J. "The Concept of Convenience in Marketing: A Definition and Suggested Approach in the Study of Household Time-Savings". In Proceedings of the 1986 Academy of Marketing Science (AMS) Annual Conference, 11–15. Cham: Springer International Publishing, 2014. http://dx.doi.org/10.1007/978-3-319-11101-8_3.

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Atti di convegni sul tema "Household Savings"

Gao, Zihan. "Declining Savings: What Influenced Household Savings Rate in China?" In 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). Paris, France: Atlantis Press, 2022. http://dx.doi.org/10.2991/aebmr.k.220307.024.

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Fynchina, Khicheza. "Household Savings as a Source of Investment in the Reproductive Process of Kyrgyz Republic". In International Conference on Eurasian Economies. Eurasian Economists Association, 2012. http://dx.doi.org/10.36880/c03.00565.

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The issue of ineffective usage of household is investigated, considering the lack of financial resources for the development of internal production in Kyrgyz Republic. The dynamic of households in the country is shown. Also the substantiation of author’s definition of investigated category is provided. In order to understand the essence of issue, there is a grouping of households in a form of scheme is shown. The research of grouping signs allowed basing the allotment of investment funds. Savings play a dual role in the reproduction process of the country. On the one hand, as the withdrawal of funds from the stream of income, savings cause lack in consumption; constraining supply growth, that is an expansion of production. On the other hand, if the savings are mobilized by the financial and credit system, and sent into the real economic sector, for an increase of the accumulation fund and expanding of production, they are favorable to economic growth and increase in GDP. Clearly shows the correlation between GDP growth and the dynamics of household savings to Kyrgyz Republic. Materials for this research were literary sources and statistical data. Solving an issue of under-investment is possible due to household savings, which occupy a special place in a number of economic phenomena, because they are at the crossroads of the interests of citizens, organizations, specializing in financial services, and the state. Their involvement depends primarily on the activity of the institutions, accumulating these savings.

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Malanina, Anastasiia Anatolevna, e Valentina Stanislavovna Puchich. "Formation and Investment of Household Savings". In International Research-to-practice conference. Publishing house Sreda, 2021. http://dx.doi.org/10.31483/r-100036.

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Uygur, Ercan. "Savings and Incomes of Households and Inclusive Growth". In International Conference on Eurasian Economies. Eurasian Economists Association, 2015. http://dx.doi.org/10.36880/c06.01446.

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This paper has three aims. The first is to explore the savings behavior of different income groups of households, with an emphasis on those with low incomes. This is achieved by going through the Household Budget Surveys (HBS) in some developing and developed countries. The HBSs reveal that the majority of poor sections of the societies do not save or have negative savings. The second aim of the paper is to explain the economic and social aspects of the savings behaviour of income groups, particularly those with low incomes. The paper explains that the “no saving/dissaving” behaviour of the low income groups and the resultant factors create economic and social problems. In this context, the paper also dwells on wealth distribution and issues of inclusive growth. The third aim of this paper is to examine policies implemented to encourage savings in general and savings of the low income groups in particular. To this end, policies pursued in some developing and developed countries are evaluated with reference to inclusive growth.

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İpek, Egemen, e Ozlem Sekmen. "HOUSEHOLD SAVINGS IN TURKEY: EVIDENCE FROM MICRODATA". In 23rd International Academic Conference, Venice. International Institute of Social and Economic Sciences, 2016. http://dx.doi.org/10.20472/iac.2016.023.040.

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Wang, Peizhi, e Gelin Pang. "Empirical Analysis on Factors of China's Household Savings". In 2011 International Conference on Management and Service Science (MASS 2011). IEEE, 2011. http://dx.doi.org/10.1109/icmss.2011.5999257.

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Luttrell, Jeff, e Dereje Agonafer. "Solar Assisted Household Clothes Dryer". In ASME 2010 4th International Conference on Energy Sustainability. ASMEDC, 2010. http://dx.doi.org/10.1115/es2010-90095.

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Energy savings for domestic appliances have been an emphasis for several years. The efficiencies of several appliances have improved dramatically as a result of this attention. Refrigerator, water heater, and washing machine energy consumptions have been reduced. One appliance has not experienced significant improvement, the clothes dryer. Typical household clothes dryers use large amounts of electricity or natural gas to heat air that is circulated with the clothes. The energy to heat the air is a function of the amount of air and heat needed to remove moisture from the clothes. Using solar heat to augment or replace the other energy sources can provide significant energy savings. Conventional house construction includes features which collect and concentrate solar energy in the air occupying the attic space. Typical home design provides a roof which functions as a large area solar energy collector. Many roofing materials have solar absorption of 80% or more. Insulation of the roof decking is uncommon so that absorbed solar heat conducts through and heats the attic air. Through simple, low-cost ducting and minor modification of a clothes dryer air inlet, this energy resource becomes available for use. This study evaluates the potential energy savings of using solar-heated attic air as a clothes dryer air source. Considering house construction as well as seasonal and regional climate variations, attic air can augment and may fully replace utility energy as the heat source for drying air during daylight hours when solar energy is incident on the roof. The energy savings can be up to 3.5 kilowatt hours (or the heating equivalent for natural gas) for each dryer load.

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Zhang, Xiaoling, e Jiaming Zhang. "Impact of Weather Insurance on Household Production and Savings". In 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). Paris, France: Atlantis Press, 2022. http://dx.doi.org/10.2991/aebmr.k.220307.349.

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Nikolovska Vrateovska, Dance, Keti Nikoloska e Snezhana Mojsoska. "Household Savings in The Republic of North Macedonia - Seven Years Later". In 5th International Scientific Conference 2021. University of Maribor Press, 2021. http://dx.doi.org/10.18690/978-961-286-464-4.3.

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It has been scientifically proven that the process of financial market development involves strengthening of the financial system preceded by simple capital accumulation which in turn is closely related to the savings rate. The higher the level of financial development, the greater the financial intermediation and the economic growth. Financial development reduces inequality and poverty by super-proportionately accelerating the growth of emerging countries and implying a reduction of inequality in the world. This paper expands the time frame of the analysis in the research conducted in 2012 of a statistical sample of 1250 respondents. Based on new data seven years later and using the previously defined variables on the same size of the statistical sample, this study aims not only to confirm the basic thesis that in the Republic of North Macedonia savings (as the main source of financing domestic banks) are still at a low level, and that the examined variables which are directly proportional to savings generally have a downward trend but it also aims to emphasize the strong impact on (mis)trust in financial institutions, related to savings. Hence, this paper will note proposed measures to increase the level of savings.

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Liang Miao e Zhu Zhengxuan. "Household savings rates and housing prices in China—Based on cohort analysis". In 2017 14th International Conference on Service Systems and Service Management (ICSSSM). IEEE, 2017. http://dx.doi.org/10.1109/icsssm.2017.7996237.

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Rapporti di organizzazioni sul tema "Household Savings"

Denizer, Cevdet, e Holger Wolf. Household Savings in Transition Economies. Cambridge, MA: National Bureau of Economic Research, marzo 1998. http://dx.doi.org/10.3386/w6457.

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Chamon, Marcos, Kai Liu e Eswar Prasad. Income Uncertainty and Household Savings in China. Cambridge, MA: National Bureau of Economic Research, dicembre 2010. http://dx.doi.org/10.3386/w16565.

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Baker, Scott, Efraim Benmelech, Zhishu Yang e Qi Zhang. Fertility and Savings: The Effect of China’s Two-Child Policy on Household Savings. Cambridge, MA: National Bureau of Economic Research, marzo 2022. http://dx.doi.org/10.3386/w29856.

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Tyutyunnikova, Tatyana Igorevna. Indicators of household savings in the life-cycle aspect. LJournal, 2019. http://dx.doi.org/10.18411/financialeconomy-2019-4-304-306.

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Frisancho, Verónica. How to Raise Household Savings in LAC: Constraints and Best Practices. Inter-American Development Bank, aprile 2016. http://dx.doi.org/10.18235/0000285.

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Li, James, Olivia Mitchell e Christina Zhu. Household Investment in 529 College Savings Plans and Information Processing Frictions. Cambridge, MA: National Bureau of Economic Research, gennaio 2023. http://dx.doi.org/10.3386/w30848.

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Banerjee, Abhijit, Xin Meng, Tommaso Porzio e Nancy Qian. Aggregate Fertility and Household Savings: A General Equilibrium Analysis using Micro Data. Cambridge, MA: National Bureau of Economic Research, aprile 2014. http://dx.doi.org/10.3386/w20050.

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Baugh, Brian, Itzhak Ben-David e Hoonsuk Park. Disentangling Financial Constraints, Precautionary Savings, and Myopia: Household Behavior Surrounding Federal Tax Returns. Cambridge, MA: National Bureau of Economic Research, gennaio 2014. http://dx.doi.org/10.3386/w19783.

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Bodenhorn, Howard. Finance and Growth: Household Savings, Public Investment, and Public Health in Late Nineteenth-Century New Jersey. Cambridge, MA: National Bureau of Economic Research, maggio 2017. http://dx.doi.org/10.3386/w23430.

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Dong, Hongwei. Can Californian Households Save Money on Transportation Costs by Living in Transit-Oriented Developments (TODs)? Mineta Transportation Institute, gennaio 2022. http://dx.doi.org/10.31979/mti.2022.2012.

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Many residents in large Californian metropolitan areas are heavily burdened by housing costs. Advocates, researchers, and elected officials in California are debating whether transit-oriented development (TOD) could be an effective tool to mitigate the housing affordability problem by increasing housing supply and reducing transportation costs in transit-rich neighborhoods. This study contributes to this debate by estimating how much Californian families can save on transportation costs by living in transit-oriented developments (TODs). By utilizing the confidential version of the 2010–2012 California Household Travel Survey, this study evaluates the impact of TOD on household transportation expenditures by comparing TOD households with two control groups. When controlling for household demographics, TOD households save $1,232 per year on transportation expenditures—18% of their total annual transportation expenditures. When controlling for both demographics and neighborhood environment, TOD households save $429 per year—about 6% of their total annual transportation expenditures. The study confirms that Californian households save money on transportation costs by living in TODs mainly because they own fewer vehicles. About two-thirds of the savings can be attributed to transit-friendly neighborhood environment and one-third to access to rail transit, which highlights the importance of integrating a rail transit system with supportive land use planning and neighborhood design.

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