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To pool or not to pool? Trends and predictors of banking arrangements within Australian couples

机译：要合并还是不合并？澳大利亚夫妇中银行业安排的趋势和预测因素

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The study of domestic money goes at the heart of debates about independence and equality in intimate relationships. It provides an important window on the individualization of family life and how couples reconcile ideals around egalitarian marriage ideologies with enduring gender inequality in society and the labor market. This study approaches these issues from the prism of couples’ banking arrangements (separate vs. joint accounts), an aspect of financial organization that approximates the executive management of household resources and which has received comparatively little attention. As such, it is amongst the first to deploy large-scale, household panel data (Household, Income and Labour Dynamics in Australia Survey, n = 15,379 observations from 7,054 couples) and binary and multinomial random-effect logistic regression models to examine trends over time in couples’ banking arrangements and their socio-demographic predictors. Key findings indicate that a large share of couples in Australia favors ‘mixed’ bank account strategies (i.e., holding both joint and separate accounts), but ‘egalitarian’ choices (i.e., dual separate accounts) are prevalent and on the rise. Couples’ bank account choices are influenced in theoretically-meaningful ways by economic resources, transaction costs, relationship history, gender-role attitudes, and family background.
机译：对国内货币的研究是关于亲密关系中独立性和平等性辩论的核心。它为家庭生活的个性化以及夫妇如何在社会和劳动力市场上持久的性别不平等与男女平等的婚姻意识形态调和理想之间提供了重要的窗口。这项研究从夫妻的银行安排（独立账户与联名账户）的角度解决了这些问题，这是金融组织的一个方面，类似于家庭资源的行政管理，受到的关注相对较少。因此，它是率先部署大规模家庭面板数据（澳大利亚家庭，收入和劳动力动态调查，n = 7,379对夫妇的15,379项观测值）以及二元和多项随机效应逻辑回归模型之一，以检验趋势夫妻的银行业务安排和他们的社会人口统计学预测时间。主要调查结果表明，澳大利亚有很大比例的夫妇倾向于“混合”银行账户策略（即同时拥有联名账户和独立账户），但是“平等”选项（即双重独立账户）的流行和上升趋势。经济资源，交易成本，关系历史，性别角色的态度和家庭背景以理论上有意义的方式影响夫妇的银行帐户选择。

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