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    【財政學文獻研討會】第五十六期

    時間:2019-03-12 10:05     來源:      點擊:

    論文題目:Poverty and Self-control (Bernheim, B. D. , Ray, D. , & Yeltekin,S.,Econometrica,2015, 83(5):1877-1911.)

    時 間:2019年3月15日 星期五 12:00 – 13:30

    地 點:明德主樓610

    主 講:魏寧 中國人民大學2018級財政學碩博連讀生

    摘 要:The absence of self-control is often viewed as an important correlate of persistent poverty. Usinga standard intertemporal allocation problem with credit constraints faced by an individual with quasi-hyperbolic preferences, we argue that poverty damages the ability to exercise self-control.Our theory invokes George Ainslie’s notion of “personal rules,” interpreted as subgame-perfect equilibria of an intrapersonal game played by a time-inconsistent decision maker. Our main result pertains to situations in which the individual is neither so patient that accumulation is possible from every asset level, nor so impatient that decumulation is unavoidable from every asset level. Such cases always possess a threshold level of assets above which personal rules support unbounded accumulation, and a second threshold level of assets below which there is a “poverty trap”: no personal rule permits the individual to avoid depleting all liquid wealth. In short, poverty perpetuates itself by undermining the ability to exercise self-control. Thus policies designed to help the poor accumulate assets may be highly effective, even if they are temporary. We also explore the implications for saving with easier access to credit, the demand for commitment devices, the design of accounts to promote saving, and the variation of the marginal propensity to consume across classes of resource claims.

    主持人:劉曉路 副教授

    財政學文獻研討會是由中國人民大學財政金融學院財政系主辦,由財政系在讀研究生剖析財政學經典或前沿文獻,并對財政領域熱點問題形成理論思考和系統看法。研討會主題主要包括:政府行為、財政體制、稅收體制及宏觀經濟等。

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