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Household saving behavior: Empirical evidence based on Mexican Households Surveys.

机译：家庭储蓄行为：基于墨西哥家庭调查的经验证据。

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摘要

In this dissertation I study different aspects of households saving behavior in Mexico. In chapter one, I use micro data from ten rounds of the Households Surveys of Income and Expenditures (ENIGH), to offer a multivariable analysis and investigate the empirical determinants of household saving behavior in Mexico for 1984--2006. Using the Life Cycle Hypothesis (LCH) as theoretical background, I identify some stylized facts of household saving behavior and address the issue of to what extent this behavior is in line with the LCH's predictions. Through the implementation of cross-sectional analysis and synthetic panels, I carry out a comprehensive characterization of saving patterns that complements and extends previous studies in several dimensions. The results suggest that demographics characteristics and family composition capture some of the household's motivation for saving more at the early and last stages of the life cycle, resulting in a U-shaped age saving profile. The inclusion of variables capturing the relaxation of liquidity constraints exhibits the negative correlation between access to financial resources and lower saving rates.;In the second chapter, I analyze the impact of financial liberalization and aggregate shocks on households saving behavior. In particular, I investigate to what extent households with access to financial resources modify their saving behavior when the economy experiences either credit expansions---a byproduct of financial liberalization and macroeconomic stability---or credit contractions resulting from financial and banking crises. I estimate a saving function and employ a difference in difference technique to identify the effects of these two types of "macroeconomic shocks" on households saving behavior. It is found that the effects of macro shocks and financial liberalization are stronger for households with better access to financial resources.;In 1997, the Mexican government approved a comprehensive pension reform that affected the formal labor force in the private sector. The legislation did not affect workers employed in the public sector, however. In chapter three, I use this policy change as a natural experiment to evaluate the impact of pension reforms on household saving behavior. The results indicate that households adopting the new funded pension system increase their saving rates systematically.
机译：在本文中，我研究了墨西哥家庭储蓄行为的不同方面。在第一章中，我使用了十轮家庭收入和支出调查（ENIGH）的微观数据，提供了多变量分析并调查了1984--2006年墨西哥家庭储蓄行为的经验决定因素。以生命周期假说（LCH）为理论背景，我确定了一些家庭储蓄行为的典型事实，并探讨了该行为在多大程度上与LCH的预测相符的问题。通过实施横截面分析和综合面板，我对储蓄模式进行了全面的表征，以补充和扩展先前在几个方面的研究。结果表明，人口统计学特征和家庭组成反映了家庭在生命周期的早期和最后阶段进行更多储蓄的动机，从而形成了U型的储蓄年龄。包含捕获流动性约束放松的变量，显示了获得金融资源与降低储蓄率之间的负相关。在第二章中，我分析了金融自由化和总体冲击对家庭储蓄行为的影响。特别是，我研究了当经济经历信贷扩张（金融自由化和宏观经济稳定的副产品）或金融和银行危机导致的信贷收缩时，拥有金融资源的家庭在多大程度上改变了储蓄行为。我估计了一个储蓄函数，并运用差异技术来确定这两种“宏观经济冲击”对家庭储蓄行为的影响。研究发现，宏观冲击和金融自由化对拥有更多金融资源的家庭影响更大。； 1997年，墨西哥政府批准了一项全面的养老金改革，影响了私营部门的正式劳动力。但是，该法律并未影响公共部门的工人。在第三章中，我将这一政策变化作为自然实验来评估养老金改革对家庭储蓄行为的影响。结果表明，采用新的养老金制度的家庭可以系统地提高储蓄率。

著录项

  • 作者

    Sandoval-Hernandez, Jesus.;

  • 作者单位

    University of California, Santa Cruz.;

  • 授予单位 University of California, Santa Cruz.;
  • 学科 Psychology Behavioral.;Sociology Individual and Family Studies.;Economics Labor.
  • 学位 Ph.D.
  • 年度 2010
  • 页码 150 p.
  • 总页数 150
  • 原文格式 PDF
  • 正文语种 eng
  • 中图分类
  • 关键词

  • 入库时间 2022-08-17 11:36:56

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