Journal of Banking and Finance ·Volume 92· JULY 2018

控制你自己：自我失控与家庭财富

作者：Nina Biljanovska (Institute for Capacity Development, International Monetary Fund)

Spyros Palligkinis (European Central Bank)

摘要：我们研究了自控与家庭财富之间的关系。在心理学文献的基础上，我们对自我控制的概念定义采取了更全面的方法，并假定它包含三个要素：计划，监控和对预先设定目标的承诺。我们建立了一个将这三个组成部分结合起来，并且可以使用标准的代表性调查来计算的模型。我们发现自控失败与不同的家庭净财富指标以及自我评估的财务困境密切相关。

关键词：自控；家庭财富；家庭理财

Control thyself: Self-control failure and household wealth

Nina Biljanovska (Institute for Capacity Development, International Monetary Fund) Spyros Palligkinis (European Central Bank)

ABSTRACT

We examine the relationship between self-control and household wealth. Building on literature in psychology, we take a more comprehensive approach to the concept of self-control and posit that it consists of three ingredients: planning, monitoring, and commitment to pre-set goals. We build a measure which combines those three components and can be computed using a standard representative survey. We find that self-control failure is strongly associated with different household net wealth measures and with self-assessed financial distress.

Keywords: Self-control; Household wealth; Household finance

原文链接：

https://www.sciencedirect.com/science/article/pii/S0378426616301947

翻译：张展