Optimal Provision of Loans and Insurance Against Unemployment From A Lifetime Perspective
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https://www.nber.org/papers/w19064
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In an earlier paper, we showed that integrated individual accounts, allowing individuals to borrow against future pensions when they are unemployed, can be welfare increasing, because it allows increased inter-temporal consumption smoothing without attenuating incentives to search. Here, we examine
在既往一项研究中，我们已证实：允许失业个体以未来养老金为抵押进行借款的整合式个人账户，可提升社会福利水平，因其能够在不削弱求职搜寻激励的前提下，实现更充分的跨期消费平滑。本文旨在探讨
提供机构：
美国国家经济研究局
创建时间：
2013-05-01
