Child Development Accounts and saving for children's future: Do financial incentives matter?

被引：18

作者：

Mason, Lisa Reyes ^{[1
]}

Nam, Yunju ^{[1
]}

Clancy, Margaret ^{[1
]}

Kim, Youngmi ^{[1
]}

Loke, Vernon ^{[1
]}

机构：

[1] Washington Univ, George Warren Brown Sch Social Work, Ctr Social Dev, St Louis, MO 63130 USA

来源：

CHILDREN AND YOUTH SERVICES REVIEW | 2010年 / 32卷 / 11期

关键词：

Assets; Saving; Incentives; Child development accounts; Policy; INDIVIDUAL DEVELOPMENT ACCOUNTS; INCOME FAMILIES; ASSETS; EXPECTATIONS; PERFORMANCE; RETIREMENT; COLLEGE;

D O I：

10.1016/j.childyouth.2010.04.007

中图分类号：

D669 [社会生活与社会问题]; C913 [社会生活与社会问题];

学科分类号：

1204 ;

摘要：

This study examines savings outcomes and the role of financial incentives in a community-based, asset-building program for low- and moderate-income children. Data are from the first large-scale demonstration of Child Development Accounts (CDAs) in the United States. Two savings outcomes are studied: (1) average quarterly net savings (mean $29.58), and (2) average total accumulation (mean $1518.24, including incentives). Multivariate analysis finds that different incentives have different associations with the two savings outcomes. This study informs public policy in general and savings policy in particular, by expanding knowledge of the role of incentives in saving and building assets for children. (C) 2010 Elsevier Ltd. All rights reserved.

引用

页码：1570 / 1576

页数：7

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