Financial Inclusion Across the United States

We study retirement and bank account participation for the universe of U.S. households with a member aged 50 to 59 in the administrative tax data. ZCTA-level average income, income inequality, and racial composition predict retirement account participation for low-income households, conditional on

本研究基于美国行政税务数据集，针对全体至少有一名成员年龄处于50至59岁的美国家庭，考察其退休账户与银行账户的参与行为。邮编制表区域（ZCTA）层面的平均收入、收入不平等程度与种族构成，可在给定条件下预测低收入家庭的退休账户参与率。