【SSCI】2024年1-10月Journal of Family and Economic Issues最新论文推送

Journal of Family and Economic Issues文章共57篇，祝大家阅读愉快。

《Vulnerability of Poverty Between Male and Female-Headed Households in China》

《我国男女户主家庭贫困脆弱性研究》

作者：Miao Zhang · You Suning · Shuaixiang Yi · Shiwen Zhang · Y. Xiao

英文摘要：This study investigates the nexus between household head gender and poverty vulnerability in the context of China's eradication of absolute poverty. Using a sample of 5061 rural households from the 2018 CFPS database, poverty vulnerability is quantitatively measured through the VEP model and the 3FGLS method. Additionally, the Probit model is employed to elucidate the ties between household head gender and rural household poverty vulnerability. The study uncovers an absence of significant disparity in poverty vulnerability between female-headed and male-headed households overall. However, heterogeneity is observed within female-headed households: de jure female-headed households exhibit greater vulnerability, while De facto female-headed households display the opposite trend. Notably, health risks are accentuated as a decisive factor, with female-headed households, especially de jure ones, experiencing significantly higher health risks than their male-headed counterparts. Moreover, the education level, household income, and assets are positively correlated with reducing poverty vulnerability and facilitating households' escape from poverty. These findings provide important references for formulating poverty alleviation strategies and more effective mechanisms to prevent relapse, thereby alleviating vulnerability to relative poverty.

中文摘要：本研究在我国消除绝对贫困的背景下，探讨了户主性别与贫困脆弱性之间的关系。利用2018年农村家庭支助方案数据库中的5061个农村家庭样本，通过 VEP 模型和3FGLS 方法对贫困脆弱性进行了定量测量。此外，本文还运用 Probit 模型分析了农户户主性别与农户贫困脆弱性之间的关系。研究发现，总体而言，女户主家庭和男户主家庭在贫困脆弱性方面没有显著差异。然而，在女户主家庭中观察到异质性: 法律上的女户主家庭表现出更大的脆弱性，而事实上的女户主家庭则表现出相反的趋势。值得注意的是，健康风险是一个决定性因素，女户主家庭，特别是法律上的女户主家庭，面临的健康风险明显高于男户主家庭。此外，教育水平、家庭收入、资产与降低贫困脆弱性、促进家庭脱贫呈正相关。这些研究结果为制定脱贫攻坚策略和更有效的机制以防止复发提供重要参考，从而减轻易受相对贫穷影响的程度。

https://doi.org/10.1007/s10834-024-09969-5

《The Link between Family Financial Socialization in Adulthood and Investment Literacy of P2P Investors》

《P2P 投资者成年期家庭财务社会化与投资素养的关系》

作者：Renata Legenzova · Gintarė Leckė

英文摘要：This paper examines how family financial socialization in adulthood is linked to the development of investment literacy among individual family members within the context of innovative financial services, specifically peer-to-peer (P2P) lending. Our findings revealed that P2P lending investors engage in a moderate level family financial socialization suggesting that family, as a key financial socialization agent in childhood and adolescence, maintains its role in adulthood. Additionally, such investors possess a high-level investment knowledge, skills, and attitudes. Explicit family financial socialization has a significant and positive effect on the individuals’ investment knowledge, skills, and attitudes, while the effect of implicit financial socialization is significant but negative for knowledge and attitudes. Such findings suggest that family discussion among adult members result in higher, while observations of family members’ investment behavior led to lower investment literacy. Our study found no significant moderating effect of the strength of social ties indicating that dynamics of family relations neither strengthen nor weaken proximal socialization outcomes. The analysis of differences across demographic groups unveiled statistically significant distinctions concerning respondents’ gender, income, and education. These results provide important insights for stakeholders, underscoring the significant role family socialization in adulthood plays in shaping individuals’ investment literacy, particularly of those investing on P2P lending platforms.

中文摘要：本文研究了在创新金融服务，特别是 P2P 借贷的背景下，成年家庭金融社会化与个体家庭成员投资素养发展的关系。我们的研究结果显示，P2P 贷款投资者参与中等水平的家庭金融社会化，表明家庭作为儿童和青少年时期的主要金融社会化媒介，在成年时期保持其作用。此外，这些投资者拥有高水平的投资知识、技能和态度。显性家庭金融社会化对个体的投资知识、技能和态度有显著的正向影响，而内隐金融社会化对个体的知识和态度有显著的负向影响。这些发现表明，成年成员之间的家庭讨论导致更高，而观察家庭成员的投资行为导致较低的投资素养。我们的研究发现，社会关系的强度没有显著的调节作用，表明家庭关系的动态既没有加强也没有削弱近端社会化的结果。对不同人口群体差异的分析揭示了受访者在性别、收入和教育方面的统计学显著差异。这些结果为利益相关者提供了重要的见解，强调了成年期家庭社会化在塑造个人投资素养方面的重要作用，特别是那些投资于 P2P 贷款平台的人。

https://doi.org/10.1007/s10834-024-09962-y

《Shared Care and Mothers’ Post-separation Economic Wellbeing in Finland and Wisconsin, US: Does Child Support and Sharing Child’s Costs Matter?》

《芬兰和美国威斯康星州的分担照顾和母亲离异后的经济福利: 孩子支持和分担孩子的费用重要吗？》

作者：Mari Haapanen · Trisha Chanda · Anneli Miettinen · Quentin H. Riser · Judith Bartfeld · Mia Hakovirta

英文摘要：Children’s post-separation living arrangements may have important implications for mothers’ economic wellbeing. This study examines self-reported economic wellbeing of mothers with shared versus sole physical custody (also known as shared care) of the child six or more years since separation, using unique survey data on separated parents in Finland (n = 850) and Wisconsin, US (n = 395) in 2019–2020. We use sequential logistic regression models to examine the pathways through which this association potentially occurs—child support and sharing of children’s expenses between parents—and whether the outcomes differ by the family policy contexts of Finland and Wisconsin. Our findings suggest that Wisconsin mothers in shared versus sole physical custody arrangements have significantly lower levels of economic hardship, that are fully explained by greater cost-sharing with the other parent of the child. No such relationship is evident in Finland, although cost-sharing is independently negatively associated with economic hardship of Finnish mothers. Findings highlight how fathers’ contributions as tied to children’s living arrangements matter for post-separation economic wellbeing of mothers, and have implications for shared physical custody and child support policy.

中文摘要：孩子分居后的生活安排可能对母亲的经济福祉有重要影响。本研究使用2019-2020年芬兰(n = 850)和美国威斯康星州(n = 395)分居父母的独特调查数据，检查了分居6年或6年以上的共同与单独监护(也称为共同照顾)的母亲的自我报告的经济幸福感。我们使用连续 Logit模型模型来研究这种联系可能发生的途径ーー子女抚养和父母之间分担子女开支ーー以及芬兰和威斯康星州的家庭政策背景是否会导致结果不同。我们的研究结果表明，威斯康星州的母亲在共同与单独的物理监护安排有显着较低的经济困难水平，这是与孩子的另一方父母更大的成本分担充分解释。芬兰没有明显的这种关系，尽管费用分摊与芬兰母亲的经济困难独立负相关。研究结果强调了父亲对子女生活安排的贡献如何影响母亲分居后的经济福祉，并对共同监护权和子女抚养政策产生影响。

https://doi.org/10.1007/s10834-024-09947-x

《Reasoning Around Wealth Decumulation Choices for Adults Aged 50 Years and Older: The Role of Family Values》

《家庭价值观对50岁及以上成年人减少财富选择的影响》

作者：Ke Chen · VW Lou

英文摘要：Studies have shown that older people do not dissave and that they dissave slower than theoretically predicted. They also rarely use wealth decumulation products like annuities and reverse mortgages, despite the longevity insurance these provide. Most extant explanations characterized financial decumulation choices as rational, independent, and egocentric, overlooking the socioeconomic context and cultural values. The Confucian cultural heritage concerning family values may provide an alternative explanation and enrich the understanding of this phenomenon. Consequently, we explored how adults aged 50 years and older in Hong Kong reason about their financial decumulation choices, specifically with respect to four financial decumulation products: annuities, reverse mortgages, joint accounts, and wills. Focus groups and semi-structured interviews were used to collect data in this participatory qualitative study, conducted in partnership with older adults and law students. Sixty community-dwelling residents in Hong Kong ages 50–70 years participated in the study. The results show that wealth decumulation is largely influenced by relational and family values and is complicated by intersecting political, social, and cultural circumstances. The Confucianism-based, collectivist familism and filial piety underpinning Hong Kong society incline adults to adopt an attitude of self-restrain when making financial decumulation choices. Family morality values must be considered in the development of retirement products and retirement protection policies in contemporary Chinese society.

中文摘要：研究表明，老年人不会减少储蓄，而且减少储蓄的速度比理论预测的要慢。他们也很少使用像年金和反向抵押贷款这样的财富递减产品，尽管这些产品提供了长寿保险。大多数现存的解释认为，金融减量化的选择是理性的、独立的和自我中心的，忽视了社会经济背景和文化价值。儒家关于家庭价值观的文化遗产可以提供另一种解释，丰富对这一现象的理解。因此，我们探讨了香港50岁及以上的成年人如何推理他们的金融减量选择，特别是关于四种金融减量产品: 年金、反向按揭、联名帐户和遗嘱。在这项参与性定性研究中，利用焦点小组和半结构化访谈收集数据，与老年人和法律专业学生合作进行。六十名年龄介乎50至70岁的香港社区居民参与了这项研究。结果表明，财富积累在很大程度上受到关系和家庭价值观的影响，并且由于政治、社会和文化环境的交叉而变得复杂。香港社会以儒家思想为基础的集体主义家庭观念和孝道观念，使成年人在作出财务减值选择时倾向于采取自我克制的态度。当代我国社会养老产品的开发和养老保障政策的制定必须考虑家庭道德价值。

https://doi.org/10.1007/s10834-024-09950-2

《The Loud Silent Side of Single Parenthood in Europe: Health and Socio-Economic Circumstances from a Gender Perspective》

《欧洲单亲家庭的沉默: 性别视角下的健康和社会经济环境》

作者：Paloma Lanza‐León · David Cantarero

英文摘要：Lone parenthood is one of the multiple accepted family types that make up today’s societies. In Europe, 3.2% of total households were single adults with children in 2019. Understanding the socioeconomic and demographic transformations that have led to the relatively high rates of single-parent families have attracted the attention and concern of researchers and policy makers. This study contributes to the literature by exploring trends in and predictors of health outcomes, lifestyle factors (obesity, smoking and alcohol) and social support among single-parent families and cohabiting couples in 20 European countries. To do so, microdata from the European Health Interview Survey-EHIS (2013–2015 and 2018–2020) is used. Running multivariate logistic regressions, we estimate the impact of individual factors associated with single parents’ health status, lifestyle factors and social support, adjusting by demographic characteristics and stressors. Our analysis suggests that both single mothers and fathers are left behind in several respects compared to their couple counterparts: lower education levels, lower income and worse economic conditions, worse physical health, and poorer social support relationships. Differences in health status, lifestyle factors and social support between single and couple parents, both mothers and fathers could be associated with the unequal distribution of demographic and stress factors found in this article. Understanding these characteristics of single-parent families could enable the establishment of community-level interventions to mitigate the adverse effects of lone parenthood and their children.

中文摘要：单亲家庭是构成当今社会的多种公认的家庭类型之一。在欧洲，2019年3.2% 的家庭是有孩子的单身成年人。了解导致单亲家庭比例相对较高的社会经济和人口变化，引起了研究人员和决策者的注意和关切。本研究通过探索20个欧洲国家的单亲家庭和同居伴侣的健康结果、生活方式因素(肥胖、吸烟和酒精)和社会支持的趋势和预测因素，为文献工作做出了贡献。为此，使用了来自欧洲健康访谈调查-EHIS (2013-2015年和2018-2020年)的微观数据。运用多元 Logistic 回归分析，通过人口统计学特征和压力源的调整，估计与单亲健康状况、生活方式因素和社会支持相关的个体因素的影响。我们的分析表明，与夫妻双方相比，单身母亲和父亲在几个方面都落在了后面: 教育水平较低、收入较低、经济状况较差、身体健康状况较差以及社会支持关系较差。健康状况、生活方式因素和社会支持在单亲父母和夫妻父母之间的差异，可能与本文中发现的人口统计学和压力因素的不平等分布有关。了解单亲家庭的这些特点，可以建立社区一级的干预措施，以减轻单亲及其子女的不利影响。

https://doi.org/10.1007/s10834-024-09954-y

《Money Talks: Testing a Series of Financial Literacy Modules to Encourage Financial Conversations in Middle School Families》

《金钱谈话: 测试一系列金融素养模块，以鼓励中学家庭的金融对话》

作者：Yesenia Alvarez Padilla · Cäzilia Loibl · Barbara Boone

英文摘要：The financial conversations parents/caregivers have with their children play a pivotal role in their financial development. Yet, little is known about strategies or interventions to promote these financial conversations. Focusing on parents/caregivers of middle school students in a Midwestern state, this exploratory study investigated the experiences of parents/caregivers who engage in financial conversations with their middle schoolers. We developed and tested “Money Talks”, an online series of financial literacy modules to enhance parent–child financial conversations. Using qualitative interview data of 10 parents/caregivers as well as baseline, module, and follow-up survey data of up to 318 parents/caregivers, we examined the predictors of financial conversations and the impact of the modules on increasing both frequency and parents’ confidence for engaging in financial conversations. Five key financial conversation topics emerged from parent/caregiver interviews including spending, banking, saving/investing, credit/debt, and financial decision-making. In surveys, confidence about financial topics emerged as the most important predictor of financial conversations. The follow-up survey results point to a greater amount of time spent on financial conversations rather than more frequent conversations and demonstrate that the modules were most effective in “Starting a conversation” with their middle schooler. Future research should experiment with different online and offline approaches for engaging parents/caregivers in financial conversations with their children and promoting other financial socialization methods such as financial modeling and experiential learning.

中文摘要：父母/照顾者与孩子之间的经济对话在孩子的经济发展中起着至关重要的作用。然而，人们对于促进这些金融对话的策略或干预知之甚少。本研究以美国中西部某州中学生的家长/照顾者为研究对象，调查了与中学生进行经济对话的家长/照顾者的经历。我们开发并测试了“金钱对话”，这是一个在线系列的金融知识模块，旨在加强父母与孩子之间的金融对话。使用10名父母/照顾者的定性访谈数据以及多达318名父母/照顾者的基线，模块和随访调查数据，我们检查了财务对话的预测因素以及模块对提高频率和父母参与财务对话的信心的影响。父母/照顾者访谈中出现了五个关键的金融话题，包括支出、银行、储蓄/投资、信贷/债务和金融决策。在调查中，对金融话题的信心成为金融对话最重要的预测指标。后续调查结果显示，学生花在财务会话上的时间比花在更频繁的会话上的时间要多，并表明这些模块在与中学生“开始谈话”方面最为有效。未来的研究应该尝试不同的在线和离线方法，让父母/照顾者与孩子进行金融对话，并促进其他金融社会化方法，如金融建模和经验学习。

https://doi.org/10.1007/s10834-024-09953-z

《“Who Comes Next?”: Planning and Managing Sustainable Initiatives that Facilitate Family Business Succession》

《“谁是下一个?”: 规划和管理促进家族企业继承的可持续举措》

作者：Vasco M. C. E. Prazeres · Fernando A. F. Ferreira · Neuza C. M. Q. F. Ferreira · João J. Ferreira · Ieva Meidutė‐Kavaliauskienė

英文摘要：Family businesses are increasingly recognized for their significance in the global economy, constituting a growing portion of companies worldwide and elevating the importance of this topic on governmental agendas. Unique challenges confront family firms, intertwining business decisions with familial repercussions. Among these challenges, the succession process emerges as a critical threat to their continuity. Inadequate solutions to the question of succession often lead to organizational failure, underscoring the urgency of addressing this issue. This study endeavors to construct an analysis model to support decision-makers throughout the succession journey, integrating a constructivist approach that merges cognitive mapping and interpretive structural modeling (ISM). This dual methodology facilitates the swift identification and analysis of factors crucial for smoother family business succession. The model development leverages insights from an expert panel and entails delineating cause-and-effect relationships among identified determinants and prioritizing these factors based on their significance. Subsequently, the model undergoes validation through a consolidation session with experts from the Associação de Empresas Familiares (i.e., Family Business Association in Portuguese), who assess its practical applicability. This includes perspectives from a Brazilian expert renowned for his understanding of family business dynamics within an emerging economy—Brazil. The insights gleaned from these sessions inform recommendations on implementing the tested procedures within real-life family enterprises, thereby contributing to the sustainability and longevity of these businesses.

中文摘要：家族企业在全球经济中的重要性得到越来越多的承认，在世界各地的公司中所占比例越来越大，在政府议程中提高了这一议题的重要性。家族企业面临着独特的挑战，商业决策与家族影响交织在一起。在这些挑战中，继任过程对其连续性构成了严重威胁。解决继承问题的办法不足常常导致组织失败，突出了解决这一问题的紧迫性。本研究结合建构主义的认知映射与解释结构模型(ISM) ，尝试建构一个分析模型，以支持决策者在整个继承过程中的决策。这种双重方法有助于迅速确定和分析对更顺利地进行家族企业继承至关重要的因素。模型开发利用了专家小组的见解，需要描述确定的决定因素之间的因果关系，并根据这些因素的重要性对其进行优先排序。随后，该模型通过与家庭企业协会(即葡萄牙家族企业协会)的专家合并会议进行验证，他们评估了该模型的实际适用性。其中包括一位巴西专家的观点，这位专家以理解巴西这个新兴经济体内部的家族企业动态而闻名。从这些会议中收集到的见解为在现实生活中的家族企业中实施测试程序提供了建议，从而有助于这些企业的可持续性和寿命。

https://doi.org/10.1007/s10834-024-09983-7

《Status Seeking and Work-Family Conflicts: How the Pursuit of Wealth and Success Threatens Family Peace in 26 Countries》

《地位追求与工作-家庭冲突: 26个国家对财富和成功的追求如何威胁家庭和平》

作者：Stephanie Hess · Christian Schneickert

英文摘要：This paper takes a cross-national perspective and examines the association between the individual disposition to pursue wealth and success (status seeking) and work–family conflicts. We use data from the 2010 European Social Survey on more than 15,000 individuals from 26 countries who were of working age and living in families with children. The sample selection followed a stratified random sampling strategy and data were collected via computer-assisted personal interviews and pen and pencil interviews administered by trained interview personnel. Employing pooled and comparative single-country regression analyses as well as correlational analyses at the macro-level of countries, our results show that status seeking is related to higher levels of work–family conflict but that the strength of association is vastly different across countries. This individual-level effect is mainly driven by job characteristics and less so by socio-demographics in most of the countries studied. At the country level, better conditions for work and family reconciliation provided by welfare states dampen the effect of ambitiousness on work–family conflict, but only marginally. Interestingly, national wealth (GDP) strengthens the association, while differences in income inequality (Gini coefficient) among countries are not relevant in this regard. Our results highlight the need for a cross-national perspective when determining the antecedents of work–family conflicts.

中文摘要：本文采用跨国视角，考察了个体追求财富和成功的倾向(地位追求)与工作-家庭冲突之间的关系。我们使用的数据来自2010年欧洲社会调查，调查对象是来自26个国家的15,000多名处于工作年龄、生活在有子女家庭的个人。样本选择遵循分层随机抽样策略，数据采用计算机辅助个人访谈和由训练有素的访谈人员进行的钢笔和铅笔访谈收集。采用汇总和比较单国回归分析以及国家宏观层面的相关分析，我们的研究结果显示，寻求地位与较高水平的工作-家庭冲突有关，但各国之间的联系强度差异很大。这种个人层面的影响主要是由工作特点驱动的，而在所研究的大多数国家中，社会人口统计因素的驱动作用较小。在国家一级，福利国家提供的更好的工作和家庭和解条件抑制了雄心勃勃对工作-家庭冲突的影响，但效果很小。有趣的是，国民财富(GDP)加强了这种联系，而国家间收入不平等(基尼系数)的差异在这方面并不相关。我们的研究结果突出表明，在确定工作与家庭冲突的前因时，需要采用跨国视角。

https://doi.org/10.1007/s10834-024-09982-8

《Collective Intrahousehold Labor Supply in Europe: Distribution Factors and Policy Implications》

《欧洲家庭内部集体劳动力供给: 分配因素与政策含义》

作者：Ignacio Belloc · Jorge Velilla

英文摘要：This paper analyzes how variables that shape intrahousehold bargaining relate to spouses’ labor supply. We estimate a collective model using data from the EU-SILC over 2004–2019 for 17 countries. Results provide evidence of the relevance of the following distribution factors: sex ratio, non-labor income, age difference, education difference, and fertility rates. The sex ratio seems to be a distribution factor in Czech Republic, Denmark, Hungary, Ireland, Italy, Poland, Spain, and Switzerland. In addition, the wife’s share of non-labor income is a distribution factor in Belgium, Czech Republic, Estonia, Ireland, Italy, Luxembourg, Poland, Portugal, Spain, and the UK. In Austria, Belgium, Czech Republic, Denmark, Estonia, France, Ireland, Italy, Luxembourg, Switzerland, and the UK the spouses’ age gap displays opposite signs on spouses’ labor supply, whereas in Austria, Belgium, Czech Republic, Denmark, France, Hungary, Ireland, Luxembourg, Portugal, and the UK the spouses’ education level differences display intrahousehold bargaining signs. Finally, the fertility rate is a distribution factor in Austria, Czech Republic, Denmark, Estonia, France, Ireland, Latvia, Portugal, Switzerland, and the UK. These results indicate that spousal- and country-specific characteristics are assessed differently across Europe and may help planners to implement household policies on cash transfers, schooling, and fertility.

中文摘要：本文分析了影响家庭内部讨价还价的变量与配偶劳动供给的关系。我们使用欧盟的 SILC 数据对17个国家2004-2019年的集体模型进行了估计。结果提供了以下分布因素相关性的证据: 性别比例，非劳动收入，年龄差异，教育差异和生育率。性别比例似乎是捷克共和国、丹麦、匈牙利、爱尔兰、意大利、波兰、西班牙和瑞士的一个分布因素。此外，在比利时、捷克共和国、爱沙尼亚、爱尔兰、意大利、卢森堡、波兰、葡萄牙、西班牙和英国，妻子的非劳动收入份额是一个分配因素。在奥地利，比利时，捷克共和国，丹麦，爱沙尼亚，法国，爱尔兰，意大利，卢森堡，瑞士和英国，配偶的年龄差距在配偶的劳动力供应上表现出相反的迹象，而在奥地利，比利时，捷克共和国，丹麦，法国，匈牙利，爱尔兰，卢森堡，葡萄牙和英国，配偶的教育水平差异表现出家庭内讨价还价的迹象。最后，生育率是奥地利、捷克共和国、丹麦、爱沙尼亚、法国、爱尔兰、拉脱维亚、葡萄牙、瑞士和英国的一个分布因素。这些结果表明，在整个欧洲，对配偶和国家的具体特征的评估是不同的，可能有助于规划者执行关于现金转移、学校教育和生育率的家庭政策。

https://doi.org/10.1007/s10834-024-09980-w

《Learning from Bitter Memories: Frequency and Resolution of Interparental Financial Conflicts, Financial Beliefs and Behaviors, and Well-Being among Hong Kong Young Adults》

《从痛苦回忆中学习: 香港青年父母经济冲突、经济信念和行为及幸福感的频率和解决方法》

作者：Xiaomin Li · Muhammad Aamir Shafique Khan · Ashley B. LeBaron‐Black · Melissa A. Curran

英文摘要：Drawing from family systems theory and family financial socialization theory, we examined associations among interparental financial conflicts (IPFC), financial beliefs and behaviors, and well-being for 312 Hong Kong young adults (aged 18–30 years old). The sample was relatively diverse in age, income level, and education level; the data were collected in March and April of 2022. IPFC consisted of frequency and three types of resolution strategies: negotiation, hostility, and triangulation. Financial beliefs and behaviors consisted of money vigilance and healthy money management. Well-being consisted of financial well-being and life satisfaction. Conducting structural equation modeling and calculating indirect effects, we identified two key findings. First, IPFC strategies (but not IPFC frequency) spill over into offspring’s financial beliefs and well-being. Second, young adults’ financial beliefs mediated associations between IPFC strategies and young adults’ well-being. Collectively, our study extended family systems theory and family financial socialization theory in demonstrating that (a) family interactions and relationships—including IPFC— are a vital component of the financial socialization process, and (b) these processes are associated with young adults’ financial beliefs, and in turn, well-being.

中文摘要：根据家庭系统理论和家庭财务社会化理论，我们研究了312名香港年轻成年人(18-30岁)的父母间财务冲突(IPFC) ，财务信念和行为以及幸福感之间的关联。样本在年龄、收入水平和教育水平上相对不同; 数据收集于2022年3月和4月。IPFC 由频率和三种类型的解决策略组成: 谈判、敌意和三角关系。财务信念和财务行为包括金钱警惕和健康的金钱管理。幸福包括经济上的幸福和生活上的满足。进行结构方程建模和计算间接效应，我们确定了两个关键发现。首先，IPFC 策略(但不是 IPFC 频率)会影响后代的财务信念和幸福感。其次，年轻人的金融信念在 IPFC 策略与年轻人幸福感之间起着中介作用。总的来说，我们的研究扩展了家庭系统理论和家庭金融社会化理论，证明了(a)家庭互动和关系ーー包括 IPFC ーー是金融社会化过程的重要组成部分，以及(b)这些过程与年轻人的金融信念相关，进而与幸福感相关。

https://doi.org/10.1007/s10834-024-09972-w

《Love of Work or Love and Work: Does a Business Owner’s Compulsion to Work Pay Off?》

《对工作的热爱还是对工作的热爱: 企业主对工作的强迫性是否得到了回报？》

作者：Renee D. Wiatt · María I. Marshall · Yoon G. Lee

英文摘要：A business owner’s compulsion to work is a condition that can have jarring effects on business-owning families. A compulsion to work has been defined as a component of workaholism. A random sample of 478 small business owners in the United States were classified as “compulsive” and “non-compulsive” owners using cluster analysis. A probit regression was used to determine the characteristics associated with being a compulsive owner. The probability of being a compulsive owner was lower for female owners, was higher as the number of children in the house increased, and was inversely related to family-business functioning. Further analysis found that compulsive owners did not have higher business incomes than non-compulsive owners. Thus, a compulsion to work did not appear to pay off for small business owners. We contribute to the literature by identifying factors associated with compulsive owner tendencies and if those tendencies lead to higher business income.

中文摘要：企业主的工作强迫症是一种可能对拥有企业的家庭产生不和谐影响的状况。工作强迫症被定义为工作狂的一个组成部分。随机抽样调查了478名美国小企业主，他们被分为“强迫性”和“非强迫性”数据聚类。一个机率回归被用来确定与成为一个强迫性所有者相关的特征。女性业主成为强迫性业主的可能性较低，随着家中子女数量的增加而增加，与家庭-企业功能呈负相关。进一步分析发现，强制性所有者的企业收入并不比非强制性所有者高。因此，对小企业主来说，强迫工作似乎没有什么好处。我们通过确定与强迫性所有者倾向相关的因素，以及这些倾向是否导致更高的企业收入，为文献做出了贡献。

https://doi.org/10.1007/s10834-024-09949-9

《Reasoning Around Wealth Decumulation Choices for Adults Aged 50 Years and Older: The Role of Family Values》

《家庭价值观对50岁及以上成年人减少财富选择的影响》

作者：Ke Chen · VW Lou

英文摘要：Studies have shown that older people do not dissave and that they dissave slower than theoretically predicted. They also rarely use wealth decumulation products like annuities and reverse mortgages, despite the longevity insurance these provide. Most extant explanations characterized financial decumulation choices as rational, independent, and egocentric, overlooking the socioeconomic context and cultural values. The Confucian cultural heritage concerning family values may provide an alternative explanation and enrich the understanding of this phenomenon. Consequently, we explored how adults aged 50 years and older in Hong Kong reason about their financial decumulation choices, specifically with respect to four financial decumulation products: annuities, reverse mortgages, joint accounts, and wills. Focus groups and semi-structured interviews were used to collect data in this participatory qualitative study, conducted in partnership with older adults and law students. Sixty community-dwelling residents in Hong Kong ages 50–70 years participated in the study. The results show that wealth decumulation is largely influenced by relational and family values and is complicated by intersecting political, social, and cultural circumstances. The Confucianism-based, collectivist familism and filial piety underpinning Hong Kong society incline adults to adopt an attitude of self-restrain when making financial decumulation choices. Family morality values must be considered in the development of retirement products and retirement protection policies in contemporary Chinese society.

中文摘要：研究表明，老年人不会减少储蓄，而且减少储蓄的速度比理论预测的要慢。他们也很少使用像年金和反向抵押贷款这样的财富递减产品，尽管这些产品提供了长寿保险。大多数现存的解释认为，金融减量化的选择是理性的、独立的和自我中心的，忽视了社会经济背景和文化价值。儒家关于家庭价值观的文化遗产可以提供另一种解释，丰富对这一现象的理解。因此，我们探讨了香港50岁及以上的成年人如何推理他们的金融减量选择，特别是关于四种金融减量产品: 年金、反向按揭、联名帐户和遗嘱。在这项参与性定性研究中，利用焦点小组和半结构化访谈收集数据，与老年人和法律专业学生合作进行。六十名年龄介乎50至70岁的香港社区居民参与了这项研究。结果表明，财富积累在很大程度上受到关系和家庭价值观的影响，并且由于政治、社会和文化环境的交叉而变得复杂。香港社会以儒家思想为基础的集体主义家庭观念和孝道观念，使成年人在作出财务减值选择时倾向于采取自我克制的态度。当代我国社会养老产品的开发和养老保障政策的制定必须考虑家庭道德价值。

https://doi.org/10.1007/s10834-024-09950-2

《The Pursuit of Subjective Well-Being Through Financial Well-Being, Relationship Quality, and Spiritual Well-Being: A Configuration Approach with Fuzzy-Set Qualitative Comparative Analysis (fsQCA)》

《财务幸福感、人际关系质量和精神幸福感对主观幸福感的追求——基于模糊集定性比较分析的配置方法》

作者：Akkas Ahamed

英文摘要：Individuals’ subjective well-being is influenced by their financial well-being, family relationship quality, spiritual well-being, gender, and age. However, our knowledge of potential associations between these factors is limited, especially in non-western developing countries. Further, human thinking’s complexity, interconnectedness, and asymmetry fit nicely with subjective well-being conceptualizations. Therefore, this research is one of the very first studies from a typical Asian country that conceptualizes subjective well-being asymmetrically. The primary objective of this study was to determine which combinations of these factors resulted in higher or lower subjective well-being. We used a self-administered questionnaire to survey 250 married working people in Bangladesh’s capital city. The factor combinations are identified with a fuzzy-set qualitative comparative analysis (fsQCA). Despite not finding any necessary condition for high or low subjective well-being, the analysis identifies two equifinal combinations of high subjective well-being and four combinations of low subjective well-being. In Asian cultures, where family bonds and spiritual well-being are feared to be declining, the combination of identified configurations re-emphasizes the importance of family relationship quality and spiritual well-being. Using a configurational approach, the findings contribute to the literature on subjective well-being and family relationships by explaining how different combinations of factors determine an individual's well-being. Additionally, this has important implications for policymakers and society as a whole.

中文摘要：个体的主观幸福感受到经济幸福感、家庭关系质量、精神幸福感、性别和年龄的影响。然而，我们对这些因素之间潜在联系的了解是有限的，特别是在非西方发展我国家。此外，人类思维的复杂性、相互关联性和不对称性与主观幸福感概念非常吻合。因此，本研究是一个典型的亚洲国家首次对主观幸福感进行不对称概念化的研究之一。本研究的主要目的是确定这些因素的哪些组合导致较高或较低的主观幸福感。我们采用自填问卷的方式对孟加拉国首都的250名已婚劳动者进行了调查。利用模糊集合定性比较分析(fsQCA)对因子组合进行识别。尽管没有发现高主观幸福感或低主观幸福感的任何必要条件，但分析确定了高主观幸福感的两种等价组合和低主观幸福感的四种组合。在亚洲文化中，人们害怕家庭纽带和精神幸福感正在下降，这种已确定的结构组合再次强调了家庭关系质量和精神幸福感的重要性。通过构型方法，这些发现解释了不同的因素组合如何决定个体的幸福感，从而为主观幸福感和家庭关系方面的文献做出了贡献。此外，这对政策制定者和整个社会都有重要意义。

https://doi.org/10.1007/s10834-024-09968-6

《Shared Care and Mothers’ Post-separation Economic Wellbeing in Finland and Wisconsin, US: Does Child Support and Sharing Child’s Costs Matter?》

《芬兰和美国威斯康星州的分担照顾和母亲离异后的经济福利: 孩子支持和分担孩子的费用重要吗？》

作者：Mari Haapanen · Trisha Chanda · Anneli Miettinen · Quentin H. Riser · Judith Bartfeld · Mia Hakovirta

英文摘要：Children’s post-separation living arrangements may have important implications for mothers’ economic wellbeing. This study examines self-reported economic wellbeing of mothers with shared versus sole physical custody (also known as shared care) of the child six or more years since separation, using unique survey data on separated parents in Finland (n = 850) and Wisconsin, US (n = 395) in 2019–2020. We use sequential logistic regression models to examine the pathways through which this association potentially occurs—child support and sharing of children’s expenses between parents—and whether the outcomes differ by the family policy contexts of Finland and Wisconsin. Our findings suggest that Wisconsin mothers in shared versus sole physical custody arrangements have significantly lower levels of economic hardship, that are fully explained by greater cost-sharing with the other parent of the child. No such relationship is evident in Finland, although cost-sharing is independently negatively associated with economic hardship of Finnish mothers. Findings highlight how fathers’ contributions as tied to children’s living arrangements matter for post-separation economic wellbeing of mothers, and have implications for shared physical custody and child support policy.

中文摘要：孩子分居后的生活安排可能对母亲的经济福祉有重要影响。本研究使用2019-2020年芬兰(n = 850)和美国威斯康星州(n = 395)分居父母的独特调查数据，检查了分居6年或6年以上的共同与单独监护(也称为共同照顾)的母亲的自我报告的经济幸福感。我们使用连续 Logit模型模型来研究这种联系可能发生的途径ーー子女抚养和父母之间分担子女开支ーー以及芬兰和威斯康星州的家庭政策背景是否会导致结果不同。我们的研究结果表明，威斯康星州的母亲在共同与单独的物理监护安排有显着较低的经济困难水平，这是与孩子的另一方父母更大的成本分担充分解释。芬兰没有明显的这种关系，尽管费用分摊与芬兰母亲的经济困难独立负相关。研究结果强调了父亲对子女生活安排的贡献如何影响母亲分居后的经济福祉，并对共同监护权和子女抚养政策产生影响。

https://doi.org/10.1007/s10834-024-09947-x

《A Psychometric Evaluation of the Couples’ Financial Communication Scale: Findings and Implications from Two Large, Diverse Samples》

《夫妻财务沟通量表的心理测量学评价: 两个大样本的研究结果及启示》

作者：Matthew T. Saxey · Mallory Lucier‐Greer · Francesca Adler‐Baeder · Ashley B. LeBaron‐Black

英文摘要：Communicating about finances is essential to develop shared meaning and goals within couple relationships. When couples struggle to discuss finances, they can experience poor couple outcomes. For researchers and clinicians to effectively study and promote healthy couple communication patterns regarding finances, a parsimonious, reliable, and valid measure of couples’ financial communication is needed. This study examined the psychometric utility of the 5-item Couples’ Financial Communication Scale (originally developed for the Flourishing Families Project; Day, R. D., Bean, R., Coyne, S., Dyer, J., Harper, J., & Walker, L. (2017). Flourishing families project: Survey of family life [codebook].) using two large, diverse samples—one of emerging adult individuals in a romantic relationship (N = 1,950) and another of dyads in a romantic relationship (N = 1,252; 69.9% beyond emerging adulthood). Similar findings emerged across both samples. Inter-item correlations, skewness, and kurtosis of the five items were within acceptable ranges. The five items loaded onto a latent construct with robust standardized factor loadings (ranging from 0.63 to 0.90) and sound model fit. Cronbach’s alpha revealed sound reliability (α = between 0.85 and 0.89). Multiple tests of measurement equivalence suggest the measure appears to be reasonably useful across theoretically meaningful groups (gender, age, income, marital status, and joint banking behaviors). Couples’ financial communication and couples’ relationship quality were positively correlated with large effect sizes—showing initial evidence of predictive validity. The parsimonious Couples’ Financial Communication Scale has sound evidence of reliability, validity, and measurement equivalence across two diverse samples, which positions it to be a useful measure in future scholarship to assess the degree to which couples engage in ongoing healthy and cooperative financial communication.

中文摘要：关于财务的沟通对于在夫妻关系中建立共同的意义和目标是至关重要的。当夫妻努力讨论财务问题时，他们可能会遇到糟糕的夫妻结果。对于研究人员和临床医生来说，有效地研究和促进健康的夫妻财务沟通模式，一个简约、可靠和有效的夫妻财务沟通措施是必要的。这项研究调查了夫妻财务沟通量表(最初为繁荣家庭项目开发; Day，RD，Bean，R. ，Coyne，S. ，Dyer，J. ，Harper，J. ，& Walker，L. (2017))的心理测量效用。繁荣家庭项目: 家庭生活调查[代码手册]。)使用两个大型的、多样化的样本，一个是处于恋爱关系中的新生成年人(N = 1,950) ，另一个是处于恋爱关系中的双性人(N = 1,252; 69.9% 超过了新生成年人)。两个样本都有类似的发现。五个项目之间的相关性、偏度和峰度都在可接受的范围内。这五个项目加载到一个具有强大的标准化因子加载(范围从0.63到0.90)和健全的模型拟合的潜在构造。Cronbach 的 α 值显示了声音的可靠性(α = 在0.85和0.89之间)。测量等价性的多重测试表明，在理论上有意义的群体(性别、年龄、收入、婚姻状况和共同银行行为)中，该测量似乎是合理有用的。夫妻财务沟通和夫妻关系质量与大效应量呈正相关，初步证明了预测效度。简约夫妇的财务沟通量表在两个不同的样本中有可靠的证据，有效性和测量等同性，这使得它成为未来学术界评估夫妇进行持续健康和合作财务沟通的程度的一个有用的措施。

https://doi.org/10.1007/s10834-024-09977-5

《German Parents Attaining Intrapersonal Work-Family Balance While Implementing the 50/50-Split-Model with Their Partners》

《德国父母在与伴侣实施50/50分割模式时实现个人内部工作-家庭平衡》

作者：Ronja Schaber · Tirza Patella · Josefine Simm · Susan Garthus‐Niegel

英文摘要：Work-family balance (WFB) is attained if parents combine work and family roles aligned with their values. For an egalitarian parent aiming to implement a 50/50-split-model, this means sharing paid work, childcare, and housework equally with their partner (involvement balance), performing well in all roles (effective balance), while having positive emotions (emotional balance). This is difficult since work and family are competing for time and attention. Therefore, this article presents resources which can help parents attain WFB within a 50/50-split-model. Quantitative data of n = 1036 couples participating in the Dresden Study on Parenting, Work, and Mental Health (DREAM) were used to calculate the implementation rate of the 50/50-split-model at 14 months postpartum. Quantitative DREAM data were screened to purposively select n = 25 participants implementing a 50/50-split-model for the qualitative study DREAMTALK. Problem-centered interviews were conducted and analyzed via qualitative content analysis. Quantitative results showed a 50/50-split-model implementation rate of 3.8–17.5% among German parents. Qualitative results revealed 14 individual- and eight macro-level resources to facilitate WFB within a 50/50-split-model. Individual-level examples are acknowledging benefits of childcare assistance, segmentation from paid work and controversially, in other situations, integration of paid work and family. Macro-level examples are availability of childcare assistance, of solo paternal leave, paid work < 39 h/week, employee flexibility options, and family-friendly workplace cultures. To conclude, the full potential of individual-level resources applied by parents is attained when supported by macro-level resources provided by politics and employers. Parents, politics, and employers can facilitate WFB within the 50/50-split-model to foster gender equality.

中文摘要：如果父母将工作和家庭角色结合起来，并与他们的价值观保持一致，就能实现工作和家庭的平衡。对于一个平等主义的父母来说，目标是实现一个50/50分割模式，这意味着与他们的伴侣平等地分享有报酬的工作、照顾孩子和家务(参与平衡) ，在所有角色中表现良好(有效平衡) ，同时拥有积极的情绪(情绪平衡)。这很困难，因为工作和家庭都在争夺时间和注意力。因此，本文提供的资源可以帮助父母在50/50分裂模式下获得 WFB。使用参与德累斯顿育儿，工作和心理健康研究(DREAM)的 n = 1036对夫妇的定量数据来计算产后14个月50/50分裂模型的实施率。定量 DREAM 数据进行筛选，目的是选择 n = 25的参与者实施50/50分裂模型的定性研究 DREAMTALK。采用定性内容分析的方法进行以问题为中心的访谈。定量结果显示，50/50分割模式在德国父母中的实施率为3.8% -17.5% 。定性结果显示，14个人和8个宏观层面的资源，以促进世界粮食计划署内的50/50分裂模式。个人层面的例子包括承认儿童保育援助的好处、与有偿工作的分割以及在其他情况下有偿工作与家庭的整合。宏观层面的例子包括提供儿童保育援助、单独陪产假、每周工作时间 < 39小时、员工灵活选择和家庭友好型工作场所文化。总之，在政治和雇主提供的宏观资源的支持下，家长个人层面资源的充分发挥潜力是可以实现的。父母、政治和雇主可以在50/50分割模式下促进世界粮食计划署促进性别平等。

https://doi.org/10.1007/s10834-024-09989-1

《Hardship Withdrawals Among Households with Disabilities》

《残疾家庭的艰难退出》

作者：Christi Wann · John M. Trussel · Lisa A. Burke‐Smalley

英文摘要：Given recent economic and personal challenges, inflation, and periods of unemployment, households with disabilities can become particularly financially challenged, perhaps even to the point of executing hardship withdrawals from their retirement savings. This is an important issue for Americans – particularly for families with disabilities - because typically early withdrawals from retirement accounts are subject to a 10% penalty tax (or 25% penalty tax on Simple IRAs) in addition to being taxed at the individual’s marginal tax rate. In the present study, we use the 2021 National Financial Capability Survey data and find that households with disabilities indeed have a 6.37% higher probability of taking hardship withdrawals than households without disabilities. More specifically, households with seeing, ambulatory, or multiple disabilities have a 7.04%, 7.57%, or 10.93% higher probability of taking hardship withdrawals when compared to households without disabilities, respectively. Given the understudied nature of this niche, we develop, test, and provide a downloadable prediction model that can be used by households with disabilities, financial planners, and other policymakers to identify those who are likely to take a hardship withdrawal, as well as offer practical implications.

中文摘要：考虑到最近的经济和个人挑战、通货膨胀和失业时期，残疾家庭可能在经济上面临特别大的挑战，甚至可能到了从他们的退休储蓄中提取艰难款项的地步。这对于美国人来说是一个重要的问题，尤其是对于残疾人家庭来说，因为通常提前从退休账户中提款除了按照个人的边际税率征税外，还要缴纳10% 的罚款税(或者对简单个人退休账户征收25% 的罚款税)。在本研究中，我们使用了2021年全国经济能力调查数据，发现残疾家庭的确比非残疾家庭有6.37% 的更高的艰难撤离概率。更具体地说，与非残疾家庭相比，患有视力障碍、行动障碍或多重残疾的家庭分别有7.04% 、7.57% 或10.93% 的困难撤出概率。鉴于这个利基市场的被低估的性质，我们开发、测试并提供一个可下载的预测模型，可供残疾家庭、理财规划者和其他政策制定者使用，以确定那些可能采取艰难的退出，并提供实际意义。

https://doi.org/10.1007/s10834-024-09987-3

《Family Financial Socialisation and its Impact on Financial Confidence, Intentions, and Behaviours among New Zealand Adolescents》

《新西兰青少年家庭财务社会化及其对财务信心、意向和行为的影响》

作者：Valerie A. Sotardi · Valerie A. Sotardi

英文摘要：This study investigated the impact of family financial socialisation on the financial perceptions and behaviours of adolescents. Drawing from social learning theory, Gudmunson and Danes’ model of family financial socialisation, and the theory of planned behaviour, we examined the influence of family affluence and family financial openness on adolescents’ financial confidence, intentions, and behaviours. The research also explores gender differences and the distinct effects of family socialisation in banking and budgeting contexts. With a large sample of adolescents in New Zealand (n = 5,370), results using structural equation modelling reveal that family affluence corresponds with a higher perception of family financial openness, which influences their confidence in specific financial domains such as banking and budgeting. Our results also highlight a gap between confidence, intentions, and action in financial behaviours, with gender differences also impacting this dynamic. The findings offer insights for parents, policymakers, and financial institutions, emphasising the importance of family financial socialisation in fostering responsible financial practices among young people.

中文摘要：本研究旨在探讨家庭财务社会化对青少年财务知觉与行为的影响。根据社会学习理论、 Gudmunson 和 Danes 的家庭财务社会化模型和计划行为理论，我们研究了家庭富裕和家庭财务开放对青少年财务信心、意图和行为的影响。该研究还探讨了性别差异以及家庭社会化在银行业和预算环境中的独特影响。在新西兰的大量青少年样本(n = 5,370)中，使用结构方程模型的结果显示，家庭富裕对应于家庭财务开放的较高感知，这影响了他们对特定金融领域的信心，如银行和预算。我们的研究结果还强调了在金融行为中信心、意图和行动之间的差距，性别差异也影响了这种动态。研究结果为父母、政策制定者和金融机构提供了见解，强调了家庭理财社会化在培养年轻人负责任的理财行为方面的重要性。

https://doi.org/10.1007/s10834-024-09990-8

《Love of Work or Love and Work: Does a Business Owner’s Compulsion to Work Pay Off?》

《对工作的热爱还是对工作的热爱: 企业主对工作的强迫性是否得到了回报？》

作者：Renee D. Wiatt · María I. Marshall · Yoon G. Lee

英文摘要：A business owner’s compulsion to work is a condition that can have jarring effects on business-owning families. A compulsion to work has been defined as a component of workaholism. A random sample of 478 small business owners in the United States were classified as “compulsive” and “non-compulsive” owners using cluster analysis. A probit regression was used to determine the characteristics associated with being a compulsive owner. The probability of being a compulsive owner was lower for female owners, was higher as the number of children in the house increased, and was inversely related to family-business functioning. Further analysis found that compulsive owners did not have higher business incomes than non-compulsive owners. Thus, a compulsion to work did not appear to pay off for small business owners. We contribute to the literature by identifying factors associated with compulsive owner tendencies and if those tendencies lead to higher business income.

中文摘要：企业主的工作强迫症是一种可能对拥有企业的家庭产生不和谐影响的状况。工作强迫症被定义为工作狂的一个组成部分。随机抽样调查了478名美国小企业主，他们被分为“强迫性”和“非强迫性”数据聚类。一个机率回归被用来确定与成为一个强迫性所有者相关的特征。女性业主成为强迫性业主的可能性较低，随着家中子女数量的增加而增加，与家庭-企业功能呈负相关。进一步分析发现，强制性所有者的企业收入并不比非强制性所有者高。因此，对小企业主来说，强迫工作似乎没有什么好处。我们通过确定与强迫性所有者倾向相关的因素，以及这些倾向是否导致更高的企业收入，为文献做出了贡献。

https://doi.org/10.1007/s10834-024-09949-9

《Gendered Relationship of Childbearing with Earnings Accumulated by Midlife in Two Nordic Welfare States》

《两个北欧福利国家生育与中年积累收入的性别关系》

作者：Jessica Nisén · Anni Erlandsson · Marika Jalovaara

英文摘要：The Nordic welfare states are considered advanced in terms of gender equality, but even in these countries women still take longer family leave and have lower earnings than men. This study provides new insights by assessing the differences in accumulated midlife earnings associated with childbearing between women and men in Finland and Sweden. We pay particular attention to the size of the gender gap in accumulated earnings across groups. We hypothesize that the gender gap will be larger among those with a larger number of children, among those with a lower level of education, and overall in Finland. The study is based on complete population register data, with highly accurate measures of earnings over decades. Our results show that by the age of 44, women born in 1974–1975 in Finland and Sweden had earned on average 32% and 29% less than men, respectively. Childbearing strongly modifies the gender gap, especially in Finland, and the highly educated have moderately smaller gaps in both countries. Our results show that, even the Nordic welfare states, despite their strong policy emphasis on gender equality and their success in achieving high levels of female labor force participation, are far from closing the gender gap in earnings accumulated over the first half of the life course. Our results also suggest that governments seeking to achieve gender equality should be cautious about providing long family-related leave with flat-rate compensation.

中文摘要：北欧福利国家在性别平等方面被认为是先进的，但即使在这些国家，妇女休家庭假的时间仍然比男子长，收入也比男子低。这项研究通过评估芬兰和瑞典男女之间累积的与生育有关的中年收入的差异提供了新的见解。我们特别关注不同群体在累计收入方面的性别差距。我们假设，在子女数量较多的国家、教育水平较低的国家以及整个芬兰，性别差距将更大。该研究基于完整的人口登记数据，对过去几十年的收入进行了高度准确的衡量。我们的研究结果显示，到44岁时，芬兰和瑞典1974-1975年出生的女性的收入平均分别比男性低32% 和29% 。生育极大地改变了性别差距，特别是在芬兰，两国受过高等教育的人口差距略小。我们的研究结果表明，即使是北欧的福利国家，尽管它们在政策上强调性别平等，并且成功地实现了女性劳动力的高水平参与，但是它们在前半生积累的收入方面的性别差距还远远没有缩小。我们的研究结果还表明，寻求实现两性平等的政府应该谨慎对待提供长期家庭假和定额补偿的问题。

https://doi.org/10.1007/s10834-024-09986-4

《Division of Financial Responsibility within Mixed-Gender Couples》

《混合性别夫妇经济责任分工》

作者：Marcin Hitczenko

英文摘要：This paper studies the dynamics of financial responsibility division within mixed-gender couples. Analysis is based on individuals’ self-assessments of their own contribution to four household activities collected in the Survey of Consumer Payment Choice. A series of logistic regressions link reported roles from 3728 households to respondent gender and six household characteristics, representing aggregate and relative attributes with respect to age, education, and income. A second, longitudinally-based analysis relates reported contribution levels in subsequent survey years to changes in household income dynamics. For bill payments, the data are consistent with a bargaining model in which relative income rankings, more so than other household variables, relate to responsibility shares. For decisions about saving and investments and decisions on other financial matters, in addition to income rank, there is also some evidence that greater relative educational attainment coincides with greater responsibility shares. For household shopping, however, tendencies in household role assignment seem predominantly driven by gender considerations. Females across all household types consistently do more of the shopping, and females are much more likely to increase their contribution, even when they become the primary earner.

中文摘要：本文研究了跨性别夫妇经济责任分担的动态变化。分析是基于个人对自己对四个家庭活动的贡献的自我评估，收集在《消费者支付选择调查》中。一系列逻辑回归将报告的3728个家庭的角色与受访者的性别和六个家庭特征联系起来，这些特征代表了年龄、教育程度和收入方面的总体和相对属性。第二项纵向分析将随后调查年报告的缴款水平与家庭收入动态变化联系起来。就账单支付而言，这些数据与讨价还价模型一致。在讨价还价模型中，与其它家庭变量相比，相对收入排名与责任分担的关系更为密切。对于有关储蓄和投资的决定，以及有关其它财务事项的决定，除了收入等级之外，还有一些证据表明，更大的相对学历与更大的责任分担相吻合。然而，对于家庭购物而言，家庭角色分配的趋势似乎主要是由性别考虑驱动的。在所有家庭类型中，女性始终做更多的购物，女性更有可能增加她们的贡献，即使她们成为主要的收入来源。

https://doi.org/10.1007/s10834-023-09944-6

《Sustaining the Tradition in Multigeneration Families: Women’s Time Use and Unpaid Domestic Work in India》

《多代同堂家庭传统的延续: 印度妇女的时间利用与无报酬家务劳动》

作者：Balhasan Ali · A. Prasad · Preeti Dhillon · Abdul Shaban

英文摘要：In India, social prejudices against women are culturally entrenched, and women carry an unfair and disproportionate burden of unpaid work, often reduced to “unproductive labor”. Nuclear families are rapidly replacing multigenerational families, which could have a significant impact on women’s mobility and capacity to strike a balance between work and family life.

中文摘要：在印度，对妇女的社会偏见在文化上根深蒂固，妇女承担着不公平和不成比例的无报酬工作负担，往往沦为“非生产性劳动”。核心家庭正在迅速取代多代同堂的家庭，这可能对妇女的流动性和在工作与家庭生活之间取得平衡的能力产生重大影响。

https://doi.org/10.1007/s10834-024-09948-w

《Time Poverty among the Young Working Poor: A Pathway from Low Wage to Psychological Well-being through Work-to-Family-Conflict》

《青年工作贫困者的时间贫困: 从低工资到工作与家庭冲突的心理幸福路径》

作者：Irene Y. H. Ng · Zhi Han Tan · Gerard Chung

英文摘要：Research on time poverty is nascent, and has focused more on unpaid household production and gender differences. Using survey data of 1,620 workers aged 21 to 38 in Singapore, we found that work-based time poverty affects the psychological well-being of young workers. First, factor analysis of time-related work quality indices led to a work-based time poverty measure along two dimensions: (i) long and late working hours, and (ii) nonstandard and uncontrollable working hours. Then, through a structural equation model, we found that individuals in low-wage work are more time poor in terms of nonstandard and uncontrollable hours. These hours worsen work-to-family conflict and together, they mediate the relationship between low wage and two psychological well-being outcomes: generalised anxiety disorder and self-efficacy. Our findings have implications on low-wage young workers’ ability to invest time in their families and on training. They suggest the need to work with policymakers and employers to address workplace time poverty challenges that are beyond what young workers themselves can control.

中文摘要：关于时间贫困的研究还处于起步阶段，主要集中在无偿家庭生产和性别差异方面。通过对新加坡1620名21岁至38岁工人的调查数据，我们发现基于工作的时间贫困影响青年工人的心理健康。首先，时间相关工作质量指数的因子分析导致了一个基于工作的时间贫困测量沿着两个维度: (i)长和晚工作时间，和(ii)非标准和不可控制的工作时间。然后，通过结构方程模型，我们发现从事低工资工作的个体在非标准和无法控制的工作时间方面更缺乏时间。这些工作时间加剧了工作与家庭之间的冲突，它们共同调节了低工资与两种心理健康结果之间的关系: 广泛性焦虑障碍和自我效能感。我们的研究结果对低工资的年轻工人投资时间在家庭和培训上的能力有影响。他们建议有必要与决策者和雇主合作，解决青年工人自己无法控制的工作时间贫困挑战。

https://doi.org/10.1007/s10834-024-09951-1

《Does Debt Affect Divorce? Evidence from China》

《债务影响离婚吗? ——来自我国的证据》

作者：Yuqiang Guo · Cheng Zhang · Tao Cheng

英文摘要：Recently, the continuous rise in household debt levels has put increasing pressure on China’s households, and the divorce rate has been increasing simultaneously. Therefore, how does household debt influence an individual’s decision to divorce? Using empirical data from the China Family Panel Studies from 2010 to 2018, this study examines the influence of household debt on the decision to divorce from a micro perspective. Our findings reveal the following: (1) the level of household debt significantly impacts the divorce rate, and the estimation results still hold after a series of robustness tests; (2) heterogeneity analysis reveals that non-housing debt, as a component of household debt, is more sensitive to individual divorce behavior, whereas housing debt has no significant effect. Moreover, the analysis of different sample groups shows that household debt positively impacts the divorce rate of middle-income groups, individuals with high levels of substance craving, and those living in eastern China; (3) additional research indicates that household debt affects an individual’s mental status, changes their marital status, and increases the probability of household divorce. This study’s findings have provided new evidence for understanding theories about household debt and marital behavior and references for the government to develop relevant policies.

中文摘要：近年来，家庭负债水平的不断上升给我国家庭带来了越来越大的压力，同时离婚率也在不断上升。因此，家庭债务如何影响个人的离婚决定？本研究利用2010-2018年我国家庭小组研究的实证数据，从微观角度考察了家庭负债对离婚决策的影响。研究结果表明: (1)家庭负债水平对离婚率有显著影响，经过一系列稳健性检验，估计结果仍然有效; (2)异质性分析表明，作为家庭负债组成部分的非住房负债对个体离婚行为更为敏感，而住房负债对离婚行为没有显著影响。此外，对不同样本群体的分析表明，家庭负债对中等收入群体、物质渴求水平高的个体和生活在我国东部地区的离婚率有正向影响; (3)进一步的研究表明，家庭负债影响个体的心理状况，改变其婚姻状况，增加家庭离婚的可能性。本文的研究结果为理解家庭债务与婚姻行为的相关理论提供了新的证据，也为政府制定相关政策提供了参考。

https://doi.org/10.1007/s10834-024-09952-0

《Financial Safety Nets or Rescue Fantasies? A Moderating View of the Relationship between Usage of Alternative Financial Services and Financial Anxiety among College Students》

《金融安全网还是救援幻想？大学生另类金融服务使用与金融焦虑关系的调节性研究》

作者：Brandan Wheeler · Cecilia Brooks

英文摘要：Guided by the knowledge-behavior-opportunity approach to financial capability (Xiao et al., 2022), our study explored whether financial dependence on parents and/or the belief that parents will rescue them from debt moderated the relationship between usage of alternative financial services and financial anxiety among emerging adults, primarily college students. Data came from responses from 209 students taking a financial assessment survey pre- and post-test as part of a Consumer Economics course taught at a public university in the Southeastern United States. We found that both financial dependence and beliefs of parental rescue were related negatively to financial anxiety in separate models. Beliefs of parental rescue also moderated this relationship. However, when combined in the same model, only beliefs of parental rescue remained negatively related to financial anxiety. Implications are discussed.

中文摘要：在知识-行为-机会方法的指导下，我们的研究探讨了对父母的经济依赖和/或相信父母会把他们从债务中拯救出来是否会缓解新兴成年人，主要是大学生使用替代金融服务和金融焦虑之间的关系。数据来自209名学生的反馈，这些学生在考试前后参加了一项财务评估调查，该调查是美国东南部一所公立大学开设的消费者经济学课程的一部分。我们发现，在不同的模型中，经济依赖和父母救助信念都与经济焦虑负相关。父母救助的信念也缓和了这种关系。然而，在同一模型中，只有父母的救助信念与经济焦虑呈负相关。我们讨论了其中的含义。

https://doi.org/10.1007/s10834-024-09961-z

《Introduction to the Special Issue on “The Political and Economic Contexts of Families’ Financial Lives”》

《“家庭财务生活的政治经济背景”专刊导论》

作者：Terri Friedline · Fenaba R. Addo

英文摘要：The articles in this special issue begin to explore the political and economic contexts of families’ financial lives and their undergirding oppressive systems. Scholarly literature tends to explain families’ experiences with money and finances from individual-level perspectives, such as studying the downstream consequences of borrowing too much money. In our introduction to this special issue, we describe how the enclosed articles encourage different vantage points—ones that provide more systems- or structural-level explanations such as White supremacy and racial violence, settler colonialism, racial capitalism, and heteropatriarchy. Overall, the articles in this special issue expand the aperture for investigations into families’ financial lives and offer generative directions for future scholarship.

中文摘要：这期特刊的文章开始探讨家庭财务生活的政治和经济背景，以及他们支撑的压迫制度。学术文献倾向于从个人层面解释家庭在金钱和财务方面的经历，例如研究借太多钱的下游后果。在我们对这一特刊的介绍中，我们描述了所附的文章如何鼓励不同的观点ーー这些文章提供了更多的系统或结构层面的解释，例如白人至上主义和种族暴力、定居殖民主义、种族资本主义和异性恋父权制。总的来说，这期特刊的文章扩大了调查家庭财务生活的范围，并为未来的学术研究提供了生成方向。

https://doi.org/10.1007/s10834-024-09959-7

《Time Pressure in Employed Parents of Adolescents: The Role of Work and Family Drivers and Workplace Supports》

《青少年就业家长的时间压力: 工作和家庭驱动因素及工作场所支持的作用》

作者：Jeff Love · Stacey Hokke · Amanda Cooklin

英文摘要：Time pressure is common among working parents with adverse consequences for parent and child mental health, yet few studies investigate time pressure beyond the early parenting years. This paper examined the work and family drivers of time pressure, and the work supports that ease time pressure, in employed parents of adolescents (youngest child aged 13–18 years). In 2016, 614 Australian parents of adolescents completed an online survey about work-family balance. Over half of fathers and three quarters of mothers reported feeling time pressed. Multivariable logistic regression revealed that fathers with managerial/professional jobs and single mothers had increased odds of time pressure. Greater family supportive supervisor behaviour was associated with decreased odds of time pressure, as was greater work-family enrichment (fathers only). Findings indicate that time pressure is a salient experience for parents of adolescents and that work-family support is needed beyond early parenting.

中文摘要：时间压力在工作的父母中很常见，对父母和孩子的心理健康有不良影响，然而很少有研究调查早期养育年龄以外的时间压力。本文考察了青少年(最小的孩子在13-18岁)在职父母的工作和家庭时间压力的驱动因素，以及工作对缓解时间压力的支持作用。2016年，614位澳大利亚青少年父母完成了一项关于工作与家庭平衡的在线调查。超过一半的父亲和四分之三的母亲报告感到时间紧迫。多变量 Logit模型显示，从事管理/专业工作的父亲和单身母亲面临时间压力的几率更大。较大的家庭支持性主管行为与较小的时间压力有关，也与较大的工作-家庭富裕(仅限父亲)有关。研究结果表明，时间压力是青少年父母的一个突出经验，工作和家庭的支持需要超越早期养育。

https://doi.org/10.1007/s10834-024-09963-x

《The Impact of the Interaction of Gender Norms and Wife’s Relative Income on Housework Sharing in Japan》

《日本性别规范与妻子相对收入互动对家务分担的影响》

作者：C. Yiwei Zhang

英文摘要：According to economic theory, the rise in women’s social status leads to an increase in their bargaining power within the household and simultaneously reduces their burden of housework. However, some studies report that when the wife’s relative income exceeds a certain level, her burden of housework increases instead. In this study, we determine whether wife’s relative income affects household chores linearly, and examine the relationship between wife’s relative income, gender norms, and housework from a bargaining perspective. We use Japanese panel data on attitudes toward traditional gender norms, couples’ income, and housework. The results show a linear relationship between the division of housework and wife’s relative income within Japanese households. However, this linear relationship is heterogeneous due to gender norms. Specifically, we find that gender norms do not impact the division of housework directly. Instead, there is an indirect weakening of the impact of wife’s relative income on the division of housework. This implies that regardless of household norms, an increase in wife’s relative income leads to a more equitable housework allocation, even though the effect is smaller for households with traditional norms. These results suggest that narrowing the wage gap between men and women in Japan may lead to a more equal division of housework.

中文摘要：根据经济学理论，妇女社会地位的提高导致她们在家庭中讨价还价能力的增加，同时减轻了她们的家务负担。然而，一些研究报告说，当妻子的相对收入超过一定水平，她的家务负担反而增加。在本研究中，我们确定了妻子的相对收入是否对家务活有直线影响，并从讨价还价的角度考察了妻子的相对收入、性别规范和家务活之间的关系。我们使用日本面板数据对传统性别规范的态度，夫妇的收入和家务。结果表明，日本家庭中家务分工与妻子的相对收入呈线性关系。然而，由于性别规范的存在，这种线性关系是异质的。具体来说，我们发现性别规范并不直接影响家务分工。相反，妻子的相对收入对家务分工的影响间接减弱。这意味着，无论家庭规范如何，妻子相对收入的增加会导致家务分配更加公平，尽管对于传统规范的家庭而言，影响较小。这些结果表明，缩小日本男女之间的工资差距可能会导致更平等的家务分工。

https://doi.org/10.1007/s10834-024-09958-8

《Nine Versions of the Parent Financial Socialization Scale: Full, Short, and Minimal Versions for Emerging Adults, Adolescents, and Parents》

《父母金融社会化量表的九个版本: 新兴成年人、青少年和父母的完整、简短和最小版本》

作者：Ashley B. LeBaron‐Black · Matthew T. Saxey · Rachel M. Okamoto · Nathan D. Leonhardt · Adam A. Rogers · Melissa A. Curran

英文摘要：Rooted in family financial socialization theory, the multidimensional Parent Financial Socialization Scale (PFSS) includes three subscales that measure the three main methods of parent financial socialization: parent financial modeling, parent–child financial discussion, and experiential learning of finances. In this paper, we present the development and psychometric testing of nine versions of the PFSS: long (20 items), short (9 items), and minimal (3 items) versions for emerging adults, adolescents, and parents. Ideally, scholars will use the full or short versions of the PFSS to capture the theoretical complexity of the measures more completely, but the minimal versions are available for scholars with survey space constraints. We found evidence that the nine versions of the PFSS are highly reliable and reasonably valid (although we found some validity limitations as well). The PFSS is the only available measure of all three methods of financial socialization and one of the only measures to be rigorously psychometrically tested across multiple samples. The PFSS can now be used with U.S. samples to assess the financial socialization emerging adults received from their parents while they were growing up (retrospectively reported), the financial socialization adolescents are currently receiving from their parents, or the financial socialization parents are currently giving their adolescent child.

中文摘要：多维父母财务社会化量表(PFSS)植根于家庭财务社会化理论，包括父母财务模型、父母与子女财务讨论和财务体验学习三个子量表。在这篇论文中，我们提出了9个版本的 PFSS 的发展和心理测验: 长(20项) ，短(9项)和最小(3项)版本的新兴成年人，青少年和父母。理想情况下，学者们将使用 PFSS 的完整版本或简短版本，以更完整地捕捉测量的理论复杂性，但是最小版本可供有调查空间限制的学者使用。我们发现证据表明 PFSS 的九个版本是高度可靠和合理有效的(尽管我们也发现了一些有效性限制)。PFSS 是所有三种金融社会化方法中唯一可用的测量方法，也是对多个样本进行严格心理测试的唯一测量方法之一。PFSS 现在可以与美国的样本一起用来评估新兴成年人在成长过程中从父母那里获得的财务社会化(回顾性报告) ，青少年目前从父母那里获得的财务社会化，或者父母目前给予青少年的财务社会化。

https://doi.org/10.1007/s10834-024-09966-8

《Cash Assistance Through the Tax System and Financial Hardship Experienced by Lower-Income Households During the COVID-19 Pandemic: How Long Did the Association Last?》

《2019冠状病毒疾病大流行期间低收入家庭通过税收系统和经济困难获得的现金援助: 这种关系持续了多久？》

作者：Vivekananda Das

英文摘要：This study investigates how long higher cash assistance eligibility from the tax system was associated with the financial hardship experienced by lower-income households during the COVID-19 pandemic. I use data from the United States Census Bureau’s Household Pulse Survey, which has regularly gathered data on financial hardship since August 2020. I utilize four contexts created by across-time and across-group variations in cash assistance eligibility for lower-income households with and without children (higher- and lower-eligible groups, respectively). In general, findings of models estimated using a difference-in-differences event study approach suggest that higher cash assistance eligibility was linked to a reduction in financial hardship in some of the weeks after the beginning of the payments; however, the association faded out after a while before reappearing following the beginning of subsequent payments. Although this study cannot identify program-specific effects, results suggest that pandemic-era programs—such as Economic Impact Payments and Advance Child Tax Credit—played a role, along with existing lump-sum Earned Income Tax Credit and Child Tax Credit programs, in reducing financial hardship over an extended period in 2021. These findings have implications for designing cash assistance programs and measuring financial hardship experienced by economically disadvantaged households.

中文摘要：这项研究调查了低收入家庭在2019冠状病毒疾病大流行期间经历的财政困难与税收系统提供的现金援助资格相关的时间。我使用的数据来自美国人口普查局的家庭脉搏调查，自2020年8月以来，该机构定期收集有关经济困难的数据。我利用了有孩子和没有孩子的低收入家庭(分别是高收入和低收入家庭)在现金援助资格方面跨时间和跨群体差异造成的四种情况。一般而言，使用差异事件研究方法估计的模型结果表明，较高的现金援助资格与支付开始后的一些星期财政困难的减少有关; 然而，这种关联在一段时间后逐渐消失，然后在随后的支付开始后重新出现。尽管这项研究无法确定项目的具体影响，但研究结果表明，在2021年较长时间内，经济影响支付和预付儿童税收抵免等大流行时期的项目，以及现有的一次性劳动所得税扣抵制和儿童税收抵免项目，在减少财政困难方面发挥了作用。这些发现对设计现金援助方案和衡量经济困难家庭的经济困难具有启示意义。

https://doi.org/10.1007/s10834-024-09960-0

《Hide and Seek with Finances: Financial Infidelity and Financial Snooping in Relationships》

《金融捉迷藏: 关系中的金融不忠与金融窥探》

作者：M. Joseph · Johanna Peetz

英文摘要：When in a relationship, a person’s financial situation may impact not only themselves but also their partner, making information about income, debt, and spending meaningful. Relationship partners may sometimes turn to clandestine means of protecting or seeking this financial information. This study examines the interplay of how partners handle financial information. In a longitudinal study of 124 couples, both partners reported on financial infidelity (hiding financial information) and financial snooping (covertly seeking financial information) at the beginning of a month and over the course of the month. Participants with worse communication skills reported both more positive financial infidelity attitudes and more positive snooping attitudes. Across the month, participants reported hiding more financial information if their partner reported snooping more (and vice versa), suggesting a mutuality of secretive financial behaviors. Participants with partners who hid more financial information and had more positive financial infidelity attitudes, as well as those who engaged in more financial snooping during the study, reported decreasing financial harmony at the end of the study. Participants who hid more financial information during the study reported less relationship satisfaction at the end of the study. In sum, this study underlines the importance of open communication about finances in relationships.

中文摘要：在一段关系中，一个人的财务状况不仅会影响到他自己，也会影响到他的伴侣，使得有关收入、债务和支出的信息变得有意义。关系伙伴有时可能转向保护或寻求这种财务信息的秘密手段。这项研究考察了合伙人如何处理财务信息的相互作用。在124对夫妇的追踪研究中，双方在一个月的开始和一个月的过程中都报告了财务不忠(隐藏财务信息)和财务窥探(秘密寻找财务信息)。沟通技巧较差的参与者报告了更积极的财务不忠态度和更积极的窥探态度。在整个月中，参与者报告说，如果他们的伴侣报告说偷窥更多(反之亦然) ，他们就会隐藏更多的财务信息，这表明了秘密财务行为的相互关系。参与者的伴侣隐藏了更多的财务信息，并有更积极的财务不忠态度，以及那些谁从事更多的财务窥探在研究期间，报告降低财务和谐在研究结束时。在研究中隐藏更多财务信息的参与者在研究结束时报告的关系满意度较低。总而言之，这项研究强调了开放沟通的重要性，关系中的财务。

https://doi.org/10.1007/s10834-024-09988-2

《Employment Vulnerability and Union Dissolution: Evidence on Intentions and Behaviors in Times of COVID-19 in Five European Countries》

《就业脆弱性与工会解散: 欧洲五国2019冠状病毒疾病时期意图和行为的证据》

作者：Francesca Luppi · Francesca Zanasi · Alessandro Rosina

英文摘要：Couples’ stability at younger ages is often a precondition for family formation and childbearing. While there is evidence that the COVID-19 crisis has impacted union formation in high-income countries, micro-level studies on union dissolution are almost absent. Our data stems from the Youth Report project of Toniolo Institute, collected in April/May and October/November 2021, on quota samples of young individuals (aged 18 to 34) in Italy, France, Germany, Spain, and the UK. Our explorative research, undertaken with logistic regression models, provides evidence on how employment vulnerability (e.g., holding a temporary occupation) was associated with different likelihoods of breaking up (or intending to) before the COVID-19 pandemic. We find that employment vulnerability spilled into separation plans during the economic recession and in European regions (NUTS-1 or NUTS-2 level) reporting poorly performing labor markets, in terms of young women’s employment and young adults’ unemployment. Additionally, among men with less vulnerable employment conditions, couple stability is less negatively affected by the recession. Finally, we find that men report a higher likelihood of revising their pre-pandemic intention to break up for non-economic reasons, which is interpretable—at least in some cases—as evidence of a “cocoon effect”.

中文摘要：夫妻年轻时的稳定性往往是组建家庭和生育的先决条件。尽管有证据表明，2019冠状病毒疾病危机影响了高收入国家的工会组建，但几乎没有关于工会解散的微观研究。我们的数据来自托尼奥洛研究所的青年报告项目，该项目于2021年4月/5月和10月/11月收集了意大利，法国，德国，西班牙和英国的年轻人(18至34岁)的配额样本。我们利用 Logit模型模型进行的探索性研究提供了证据，证明就业脆弱性(例如，持有一份临时工作)与2019冠状病毒疾病大流行前分手(或打算分手)的不同可能性之间存在关联。我们发现，在经济衰退期间和欧洲地区(NUTS-1或 NUTS-2水平)报告表现不佳的劳动力市场，就年轻女性的就业和年轻成年人的失业而言，就业脆弱性溢出到离职计划中。此外，在就业条件不那么脆弱的男性中，夫妻关系的稳定性受经济衰退的负面影响较小。最后，我们发现，男性报告称，他们更有可能因为非经济原因而改变在大流行前分手的意图，这可以解释为“茧效应”的证据，至少在某些情况下是这样。

https://doi.org/10.1007/s10834-024-09979-3

《The Impact of Early Fertility Shocks on Women’s Fertility and Labor Market Outcomes》

《早期生育冲击对妇女生育和劳动力市场结果的影响》

作者：Ali Abboud

英文摘要：This paper evaluates the effect of unplanned fertility shocks on women’s careers. I exploit the early repeal of abortion bans in five US states. This leads to variation in access to abortion across states and birth cohorts, which allows the estimation of the effect of accessing abortion at a certain age on women’s fertility. The evidence suggests that accessing abortion before the age of 21 delayed the age at which women gave birth to their first child by half a year on average. I also document an increase in completed fertility among Black women who received access to abortion early in their fertility cycle. The resulting variation in fertility realizations is then used to estimate the effect of fertility on women’s careers. I find that wages increase significantly as a result of the delay of an unplanned start of motherhood. This increase in wages translates into a 10% increase in labor earnings among Black women, and it is completely offset by the a decrease in labor supply for White women.

中文摘要：本文评估了非计划生育冲击对女性职业生涯的影响。我利用了美国五个州提前废除堕胎禁令的机会。这导致了各州和出生人群获得堕胎服务的差异，从而可以估计在特定年龄获得堕胎服务对妇女生育能力的影响。有证据表明，21岁之前堕胎的妇女生育第一个孩子的年龄平均推迟半年。我还记录了在生育周期早期获得堕胎机会的黑人妇女完成生育率的增加。由此产生的生育意识的变化被用来估计生育对女性职业生涯的影响。我发现，由于计划外生育开始的推迟，工资显著增加。这种工资的增长转化为黑人妇女劳动收入的10% 的增长，而白人妇女劳动力供应的减少完全抵消了这种增长。

https://doi.org/10.1007/s10834-024-09981-9

《Impact of Adult Children’s Socioeconomic Status on the Health of Older Adults in China》

《我国成年子女社会经济地位对老年人健康的影响》

作者：NULL AUTHOR_ID · NULL AUTHOR_ID

英文摘要：Improving the health of older adults is a crucial response to population aging. Based on the China Family Panel Studies data, this study analyzes the relationship between the children’s socioeconomic status and their parents’ health. The results indicate that the socioeconomic status of adult children positively affected the health status of their parents. The results also suggest that there is a positive correlation between the socioeconomic status of adult children and the economic support provided to their older parents, as well as their parents’ health literacy, which in turn improves the overall health status of the older population.To address the challenges of population aging, improved intergenerational interaction between adult children and their aging parents can improve the health status of older adults.

中文摘要：改善老年人的健康状况是应对人口老龄化的关键措施。本研究根据我国家庭研究小组的数据，分析了儿童社会经济地位与其父母健康之间的关系。结果显示，成年子女的社会经济地位对其父母的健康状况有正面影响。研究结果亦显示，成年子女的社会经济地位与其年长父母获得的经济支援，以及父母的健康知识水平之间存在正相关关系，有助改善年长人口的整体健康状况。为应付人口老化的挑战，改善成年子女与其年长父母之间的代际互动，可改善年长人口的健康状况。

https://doi.org/10.1007/s10834-024-09973-9

《Cross-Cultural Adaptation and Validation of the Multidimensional Subjective Financial Well-Being Scale in Brazilian Adults》

《巴西成年人多维主观财务幸福感量表的跨文化适应与验证》

作者：Nicolas de Oliveira Cardoso · Wagner de Lara Machado · Angela Sorgente · Alexandre Guilherme

英文摘要：The financial situation of Brazilians is a frequent topic of research due to the country’s financial instability. However, there are few instruments available to measure financial constructs in Brazil. Therefore, this study aims to conduct the cross-cultural adaptation and validation of The Multidimensional Subjective Financial Well-being Scale (MSFWBS) for Brazilian adults. To ensure the conceptual adaptation and language clarity of instrument items, experts (n = 5) and target population (n = 15) were invited to rate (quantitative data) and comment (qualitative data) on instrument adequacy. After the cross-cultural adaptation, multiple psychometric properties (reliability evidence, factorial, convergent and external validity) of the Brazilian MSFWBS version were assessed among 529 Brazilian adults. Through an exploratory factor analysis done by the extraction method of minimum rank factor analysis, we found the same 5-factor multidimensional structure proposed in the MSFWBS original version. The items showed adequate factor loadings and the retained factors explained 66.3% of the shared item’s variance, with reliability evidence range from ω = 0.83 to .94 among the factors. We also found convergent (with well-being and psychopathological symptoms) and external (with occupational status) validity of MSFWBS scores. Therefore, our results demonstrated that the instrument is adequate to measure Brazilian adults’ subjective financial well-being. This study contributes to the advancement of the research on financial well-being by providing a new measurement for Brazilian adults.

中文摘要：由于巴西的金融不稳定，巴西人的金融状况是一个经常被研究的话题。然而，衡量巴西金融结构的工具却寥寥无几。因此，本研究旨在对巴西成年人的多维主观财务幸福感量表(MSFWBS)进行跨文化适应和验证。为了确保仪器项目的概念适应性和语言清晰度，邀请专家(n = 5)和目标人群(n = 15)对仪器的充分性进行评分(定量数据)和评论(定性数据)。在跨文化适应后，对529名巴西成年人进行了巴西 MSFWBS 版本的多重心理测量特性(可靠性证据、因子、收敛性和外部效度)的评估。通过最小秩因子分析提取方法的因子分析，我们发现了 MSFWBS 原始版本中提出的相同的5因子多维结构。结果表明，共享项目具有足够的因子负荷，保留因子解释了共享项目方差的66.3% ，其中可靠性证据的范围在 ω = 0.83 ~ .94之间。我们还发现 MSFWBS 分数的收敛性(具有幸福感和精神病理症状)和外部效度(具有职业地位)。因此，我们的研究结果表明，该工具足以衡量巴西成年人的主观财务幸福感。这项研究为巴西成年人提供了一个新的衡量标准，有助于推动关于经济福祉的研究。

https://doi.org/10.1007/s10834-024-09965-9

《The Conceptual Replication of Crianza Positiva E-Messaging Program During the COVID-19 Pandemic: Too Much or Too Little Information?》

《在2019冠状病毒疾病大流行期间，“克里安扎阳性电子信息计划”的概念复制: 信息过多还是过少？》

作者：Ana I. Balsa · Juanita Bloomfield · Alejandro Cid

英文摘要：This article evaluates the conceptual replication of a text and audio Behavioral Change Communication Program (Crianza Positiva) on parenting practices and well-being in households with children aged 0–2 years in Uruguay during the COVID-19 pandemic. The intervention uses behavioral economics tools to reorient parents’ attention towards positive parenting practices. Using an experimental design involving 39 early childhood centers (687 families), we find no effects of the intervention on the outcomes of interest. This finding contrasts with those found in a previous edition of the program in 2018, which showed improvements in parental involvement, in the quality of parent–child interaction, and in adult–child language patterns (Balsa in Child & Youth Care Forum 53:1–22, 2023a; Balsa in Behavioural Public Policy 7: 607–643, 2023c; Bloomfield in Review of the Economics of the Household 21:95–130, 2023). We consider various hypotheses behind the lack of results, which in turn point to key issues to consider when designing similar programs. First, these messaging programs may work as a complement to more intensive interventions, but may have limited impact when implemented in isolation. Unlike the 2018 messages, which were sent after an 8-session face-to-face workshop, the new edition was implemented without a previous workshop. Second, the problems introduced by the pandemic increased families’ stress, time and space constraints, potentially reducing family’s receptivity to the messages. Indeed, we find suggestive evidence that the messages increased parental stress or depressive symptoms in adults facing household overcrowding. In addition, early childhood centers actively used WhatsApp messages to stay in touch with families during the pandemic, competing for the attention of the families. Finally, the 2020 sample had a higher prevalence of more educated mothers, who may be less responsive to these types of interventions.

中文摘要：这篇文章评估了文本和音频行为改变传播计划(Crianza position tiva)在乌拉圭0-2岁儿童家庭中的育儿实践和福祉在2019冠状病毒疾病大流行期间的概念复制情况。干预使用行为经济学工具来重新调整父母的注意力，使之转向积极的育儿方法。通过对39个幼儿中心(687个家庭)的实验设计，我们发现干预对兴趣结果没有影响。这一发现与2018年以前版本的项目中的发现形成了对比，该项目显示了父母参与，亲子互动质量和成人-儿童语言模式的改善(Balsa 在儿童和青少年护理论坛53:1-22,2023a; Balsa 在行为公共政策7:607-643,2023c; Bloomfield 在《家庭经济学评论》21:95-130,2023)。我们考虑了在缺乏结果背后的各种假设，这些假设反过来又指出了在设计类似程序时需要考虑的关键问题。首先，这些信息传递程序可以作为更密集干预措施的补充，但孤立实施时可能影响有限。与2018年的信息不同，2018年的信息是在8次面对面研讨会之后发送的，新版本的实现没有先前的研讨会。其次，大流行带来的问题增加了家庭的压力、时间和空间限制，潜在地降低了家庭对信息的接受程度。事实上，我们发现暗示性的证据表明，这些信息增加了面临家庭过度拥挤的成年人的父母压力或抑郁症状。此外，幼儿中心在大流行期间积极使用 WhatsApp 信息与家庭保持联系，争取家庭的关注。最后，2020年样本中受教育程度较高的母亲比例较高，她们可能对这些类型的干预措施反应较差。

https://doi.org/10.1007/s10834-024-09975-7

《Financial Planning Discrepancy in Couple Relationships: A Dyadic Response Surface Analysis》

《夫妻关系中财务计划差异的二元响应面分析》

作者：Zhao Na · Duan Yujia · Wang Yiheng

英文摘要：Financial planning plays a key role in shaping marital satisfaction. Using response surface analysis (RSA), which is based on polynomial regression models, this study investigated the relationship between financial planning discrepancy and marital satisfaction by a sample of 246 couples (492 participants). The study found that the greater the perceived discrepancy in couples’ financial planning, the lower their marital satisfaction. Additionally, the individual’s attachment type played a moderating role in the relationship between financial planning discrepancy and marital satisfaction. For individuals with insecure attachment types, the impact of financial planning discrepancy on marital satisfaction was greater. This study expands the research field of financial literacy at a theoretical level and extends the research scope of response surface analysis. On a practical level, it provides a new perspective for enhancing marital satisfaction.

中文摘要：理财计划在塑造婚姻满意度方面起着关键作用。本研究以246对夫妇(492人)为样本，采用基于多项式回归模型的响应面分析(RSA)方法，探讨了理财计划差异与婚姻满意度之间的关系。研究发现，夫妻理财计划的差异越大，他们的婚姻满意度就越低。此外，个体的依恋类型在理财计划差异与婚姻满意度之间的关系中起调节作用。对于不安全依恋类型的个体，财务计划差异对婚姻满意度的影响更大。本研究在理论层面上拓展了金融素养的研究领域，扩展了响应面分析的研究范围。在实践层面上，它为提高婚姻满意度提供了一个新的视角。

https://doi.org/10.1007/s10834-024-09967-7

《‘This is How you Will Make It’: Mothers, Othermothers, and Black Women’s Family Financial Socialization》

《‘ This is How You Will Make It’: Mothers，Other Mother，and Black Women’s Family Financial Socialization‘ This is How you Will Make It’: 母亲、其他母亲和黑人妇女的家庭财务社会化》

作者：Katherine Wiley

英文摘要：This study uses the theories of financial tool-kits and family financial socialization to examine the messages Black women received about money from their caregivers during their childhoods. Prior studies show there are race and gender wealth gaps due to structural factors and that there is stratification by race and gender in financial knowledge and behavior outcomes. This study explores how Black families socialize their daughters about money and how this shapes their financial knowledge and behavior in middle adulthood. I use interviews with 28 Black women to demonstrate the content and methods Black parents used during participant’s upbringings to teach them about money management. I found women elders play a significant role in developing participants’ financial skills and knowledge. They do this primarily through modeling and experiential learning while direct communication was used for lessons on combining resources with a romantic partner. The findings show how Black families transfer the financial knowledge they have to prepare the next generation while operating under the constraints of financial exclusion.

中文摘要：本研究运用财务工具箱理论和家庭财务社会化理论，考察了黑人妇女在童年时期从照顾她们的人那里得到的关于金钱的信息。以往的研究表明，由于结构性因素，财富存在种族和性别差距，在财务知识和行为结果方面存在按种族和性别分层的现象。这项研究探讨了黑人家庭如何社会化他们的女儿关于金钱，以及这如何塑造他们的金融知识和行为在中年。我采访了28位黑人女性，展示了黑人父母在参与者成长过程中教导他们理财的内容和方法。我发现女性长者在培养参与者的财务技能和知识方面扮演着重要的角色。他们主要通过建模和经验学习来做到这一点，而直接交流则用于与浪漫伴侣结合资源的课程。研究结果表明，黑人家庭在经济排斥的约束下，如何转移他们为下一代做准备所掌握的金融知识。

https://doi.org/10.1007/s10834-024-09956-w

《The Impact of Long-Term Care Insurance on Intergenerational Interaction Behavior Change in China》

《长期护理保险对我国人代际互动行为变化的影响》

作者：Xiaoyu Wang · Wenze Tian · Guohui Zhan · Yiming He

英文摘要：China’s population shows obvious characteristics of rapid aging and growing old before getting rich. There are about 40 million disabled and partially disabled older adults, which imposes a heavy burden on families and children in terms of daily life care and home care. Since 2016, the Chinese government has been establishing a pilot long-term care insurance (LTCI) system. This study assesses the impact of participation in LTCI on behavioral changes in intergenerational interactions in urban China. Using the difference-in-differences (DID) approach, data from employees in 11 national LTCI pilot cities from four latest issues of the China Health and Retirement Longitudinal Study (CHARLS 2011–2018) were examined. The results showed that participation in LTCI decreased children’s economic support to their parents and had a significant positive effect on children’s residential geographical proximity. Heterogeneity analysis revealed that the impact of LTCI was greater in areas with higher levels of aging and households with poorer parental health. This study provides some informative empirical evidence for the development of LTCI policies. Findings are based on data from urban workers, further research should take rural residents into account and consider factors such as parent–child relationship quality and children’s filial values for a more detailed analysis.

中文摘要：我国人口呈现出明显的快速老龄化和未富先老的特征。大约有4000万残疾和部分残疾的老年人，在日常生活照料和家庭照料方面给家庭和儿童造成沉重负担。自2016年以来，我国政府一直在试点建立长期护理保险(LTCI)体系。本研究旨在探讨 LTCI 参与对我国城市人群代际互动行为变化的影响。采用差异分析法，对我国健康与退休追踪研究(CHARLS 2011-2018)最新四期的11个国家 LTCI 试点城市的员工数据进行了分析。结果表明，LTCI 的参与降低了儿童对父母的经济支持，并对儿童居住地理位置的邻近性产生了显著的正向影响。异质性分析显示，LTCI 对老龄化程度较高的地区和父母健康较差的家庭的影响更大。这项研究提供了一些资料经验证明，有助制订长期课税指引政策。研究结果以城市工作者的资料为基础，进一步的研究应考虑农村居民，并考虑亲子关系质量和子女孝道等因素，进行更详细的分析。

https://doi.org/10.1007/s10834-024-09957-9

《Women, Economics, and Household Economics: The Relevance of Workshops Founded by Nobel Laureate Gary Becker, and of Jacob Mincer》

《女性、经济学和家庭经济学: 由诺贝尔奖获得者加里 · 贝克尔和雅各布 · 明瑟创立的研讨会的相关性》

作者：Andrea H. Beller · Shoshana Grossbard · Ana Claudia Polato e Fava · Marouane Idmansour

英文摘要：Gary Becker founded two workshops: the Labor Workshop at Columbia University in 1958 and the Applications of Economics Workshop at Chicago in 1970. At Columbia, Becker ran the Labor Workshop for more than a decade; Jacob Mincer co-directed it for about half of that time and then became its principal director. The workshops fostered novel applications of economics to areas like household economics, labor economics and economics of human capital. These workshops had a relatively high proportion of women participating in them. We find that in the years 1960–1980, when Becker and Mincer published pioneering research in household economics, the odds that a PhD in Economics was obtained by a woman were 5.6 times higher among those who had participated in any Becker-founded workshop than among those who had participated in another workshop at Columbia or Chicago. The odds that a graduate was a woman were higher for Columbia than for Chicago and were highest for the Columbia workshop after Becker left for Chicago and Mincer became its principal director. These findings are consistent with women at that time showing a relatively strong interest in household economics combined with the novelty and innovation of the work, the topics covered and the approach taken in the Becker-founded workshops.

中文摘要：加里 · 贝克尔创立了两个研讨会: 1958年在哥伦比亚大学的劳动研讨会和1970年在芝加哥的经济学应用研讨会。在哥伦比亚大学，贝克尔管理劳工工作室超过10年; 雅各布 · 明瑟(Jacob Mincer)在其中大约一半的时间里共同领导该工作室，然后成为其主要负责人。这些研讨会促进了经济学在家庭经济学、劳动经济学和人力资本经济学等领域的新应用。参加这些讲习班的妇女比例相对较高。我们发现，在1960-1980年间，当贝克尔和明瑟发表家庭经济学的开创性研究时，参加过贝克尔创立的研讨会的女性获得经济学博士学位的几率是参加过哥伦比亚或芝加哥其他研讨会的女性的5.6倍。毕业生是女性的几率在哥伦比亚大学高于芝加哥大学，而且在贝克尔离开哥伦比亚大学去芝加哥大学后，明瑟成为哥伦比亚大学研讨会的主要负责人。这些调查结果与当时妇女的情况一致，表明她们对家庭经济有着相对强烈的兴趣，而且工作的新颖性和创新性、所涵盖的主题以及贝克尔创办的研讨会所采取的方法也相对一致。

https://doi.org/10.1007/s10834-023-09941-9

《Parental Support and Family Firm Succession Intention: The Mediation Effect of Next-Generation Members’ Commitment to the Family Firm》

《父母支持与家族企业继承意愿: 下一代成员对家族企业承诺的中介效应》

作者：Eko Suhartanto

英文摘要：Based on data from the Global University Entrepreneurial Students’ Spirit Survey (GUESS) 2018 project, this study examined the relationship between parental support factors and next-generation members’ succession intention and investigated the mediating effect of next-generation members’ commitment to the family firm. The results of the structural equation modeling analysis showed a mediating effect of next-generation members’ commitment to the family firm on the relationship between parental support and next-generation members’ succession intention. Specifically, normative commitment negatively mediated the relationship of succession intentions with parental career-related modeling and verbal encouragement. We employed social exchange theory to examine why these relationships occur. The findings of this study extend our knowledge of the parental support factors that potentially increase next-generation members’ commitment and succession intention.

中文摘要：本研究以全球大学创业学生精神调查(GUESS)2018项目数据为基础，考察了父母支持因素与下一代成员继任意愿之间的关系，以及下一代成员对家族企业承诺的中介效应。结构方程模型分析的结果表明，下一代成员对家族企业的承诺对父母支持与下一代成员继任意愿之间的关系具有中介作用。具体而言，规范性承诺在继承意愿与父母职业生涯相关建模和口头鼓励之间起到了负向中介作用。我们运用社会交换理论来研究为什么这些关系会发生。本研究的结果扩展了我们对可能增加下一代成员承诺和继承意愿的父母支持因素的认识。

https://doi.org/10.1007/s10834-023-09945-5

《Finding Alternatives to Reduce Food Waste: An Experimental Study on Food Consumers》

《寻找减少食物浪费的替代方案: 对食品消费者的实验研究》

作者：Yeon A Hong · Namhoon Kim · Chanmi Yun

英文摘要：This study investigated effective methods for reducing food waste. We designed an experiment to present four types of treatments aimed at reducing food waste and estimated potential effects. We suggested a relevant policy to control food waste in restaurants by discouraging consumers from ordering more food than required. A total of 1,000 consumers participated in the experimental surveys in South Korea; they were divided into groups of 200 each for one control group and four treatment groups: education, nudge, incentive for fewer side dishes, and penalty for more side dishes. Statistical analysis revealed that while education was effective in preventing consumers from choosing more side dishes than necessary, nudges were initially ineffective, but could be cost-effective with careful design. The results indicated that both the incentive and penalty interventions effectively prevented consumers from choosing more side dishes, with partial evidence that penalty is more effective only when individuals have the option to choose all side dishes or none.

中文摘要：本研究探讨减少食物浪费的有效方法。我们设计了一个实验，提出了四种旨在减少食物浪费和估计潜在影响的处理方法。我们建议采取相关政策，通过劝阻消费者订购多于需要的食物来控制餐馆的厨余。在韩国，共有1000名消费者参与了实验性调查。他们被分成两组，每组200人，一组为对照组，另一组为四个治疗组: 教育组，推动组，减少配菜的激励组，以及增加配菜的惩罚组。统计分析显示，虽然教育能有效防止消费者选择多于必要的配菜，但推动最初是无效的，但经过仔细设计可能具有成本效益。结果表明，激励和惩罚干预都有效地阻止了消费者选择更多的配菜，部分证据表明，只有当个体可以选择所有配菜或不选择配菜时，惩罚才更有效。

https://doi.org/10.1007/s10834-024-09964-w

《Determinants of Informal Social Help Among Women Enduring Marital Separation and Poverty》

《分居和贫困妇女非正式社会帮助的决定因素》

作者：Shichao Du · Peter D. Brandon

英文摘要：The private economic assistance that women experiencing poverty can potentially receive during a marital separation has been largely overlooked. This study investigates determinants of economic aid from family, friends, and private community organizations among women experiencing marital separation and poverty. Such private social help may make the difference between an informal but flexible support network and a formal but routine social safety net. Using panel data from the Survey of Income and Program Participation (SIPP), this study found that the odds of a woman receiving private help to make ends meet during a period of marital separation and poverty were associated with her human capital, command over marital assets, employment, and duration of the separation. Separated women with fewer economic resources or more urgent economic needs were more likely to receive informal social help. The growing dependency on private assistance over the duration of marital separation also suggests the chronic strain model that economic hardship is a chronic stress for women after separation.

中文摘要：贫困妇女在分居期间可能获得的私人经济援助在很大程度上被忽视了。这项研究调查了家庭、朋友和私人社区组织对分居和贫困妇女经济援助的决定因素。这种私人社会帮助可能会使非正式但灵活的支助网络与正式但常规的社会安全网有所不同。利用收入和项目参与调查(sIPP)的面板数据，这项研究发现，一个女人在分居和贫困时期接受私人帮助以维持生计的几率与她的人力资本、对婚姻资产的控制、就业和分居时间长短有关。经济资源较少或经济需求较为紧迫的失散妇女更有可能得到非正式的社会帮助。在分居期间，对私人援助的依赖程度不断上升，这也表明了一种长期压力模型，即经济困难是女性在分居后面临的长期压力。

https://doi.org/10.1007/s10834-024-09970-y

《When One Is Not Enough: Exploring the Intersection of Multiple Public Benefits and Multiple Material Hardships in Low-Income Single-Mother Families》

《当一个人还不够时: 探索低收入单亲家庭多重公共福利和多重物质困难的交叉点》

作者：Chi‐Fang Wu · Jeehae Kang · Soohyun Yoon · Steven G. Anderson

英文摘要：Families headed by single mothers face economic vulnerability, and many rely on multiple public benefit programs. This study explored multiple benefits program participation and its relationship with material hardship among low-income single-mother families in the United States. Using nationally representative data, we employed cluster analysis to explore patterns of multiple program participation in 10 benefits programs and used logistic regression to examine the relationships between program participation clusters and material hardship. Four program participation groups emerged: Many Benefits, Moderate Benefits, Only School Meal, and No Benefits. Material hardships (i.e., food hardship, medical hardship, unmet basic needs, housing hardship) were prevalent across all clusters. However, the Many Benefits group, which received the highest number of benefits, exhibited the highest rate of both food hardship (43.17%) and unmet basic needs (51.09%). Despite receiving more support than other groups, this group was more likely than the other groups to experience these hardships (except for medical hardship) that public benefits are designed to alleviate. This finding underscores the limitations of current social benefits and calls for policy revisions that enhance the amount, duration, and accessibility of public benefits to promote the well-being of the United States’ most vulnerable families.

中文摘要：以单身母亲为户主的家庭面临经济脆弱性，许多家庭依赖多种公共福利计划。本研究旨在探讨美国低收入单亲家庭多元福利计划参与及其与物质困难的关系。使用具有全国代表性的数据，我们使用数据聚类研究了10个福利项目中多个项目参与的模式，并使用 Logit模型研究了项目参与集群和物质困难之间的关系。出现了四个项目参与小组: 许多益处，中等益处，只有学校餐，没有益处。物质困难(例如，食物困难，医疗困难，未满足的基本需求，住房困难)在所有集群中普遍存在。然而，获得福利最多的“许多福利”群体表现出最高的粮食困难率(43.17%)和未满足的基本需求率(51.09%)。尽管比其他团体获得了更多的支持，这个团体比其他团体更有可能经历这些困难(除了医疗困难) ，公共福利的目的是减轻这些困难。这一发现强调了当前社会福利的局限性，并呼吁修改政策，提高公共福利的数量、持续时间和可获得性，以促进美国最弱势家庭的福祉。

https://doi.org/10.1007/s10834-024-09978-4

《The Impact of Economic Policy Uncertainty on Household Financial Vulnerability》

《经济政策不确定性对家庭金融脆弱性的影响》

作者：Cheng Zhang · Xu Ling

英文摘要：The uncertainty of economic policy reflects changes in the macroeconomic environment, which can have extensive and profound impacts on the economy and society. However, existing studies have paid little attention to the influence of economic policy uncertainty on household micro-behavior. This paper empirically examines the impact of economic policy uncertainty on household financial vulnerability using household micro-data and an economic policy uncertainty index. The results indicate that increasing economic policy uncertainty significantly heightens household financial vulnerability. Further analysis reveals that heightened economic policy uncertainty leads to a decrease in household income. While it does not have a significant impact on household consumption, it does result in imbalances between household income and expenditure, as well as an increase in household debt burdens, ultimately exacerbating financial vulnerability. Heterogeneity analysis shows that economic policy uncertainty plays a more significant role in promoting financial vulnerability among households with low physical capital, rural areas and central and western regions. This study offers valuable policy insights for relevant departments to mitigate household financial vulnerability and uphold economic policy stability.

中文摘要：经济政策的不确定性反映了宏观经济环境的变化，可以对经济和社会产生广泛而深刻的影响。然而，现有的研究很少关注经济政策不确定性对家庭微观行为的影响。本文利用家庭微观数据和经济政策不确定性指数，实证检验了经济政策不确定性对家庭金融脆弱性的影响。结果表明，经济政策不确定性的增加显著提高了家庭金融脆弱性。进一步的分析表明，经济政策不确定性的增加导致家庭收入的减少。虽然它对家庭消费没有重大影响，但它确实造成了家庭收入和支出之间的不平衡，以及家庭债务负担的增加，最终加剧了金融脆弱性。异质性分析表明，经济政策不确定性在促进低物质资本家庭、农村家庭和中西部家庭的金融脆弱性方面起着更为重要的作用。本研究为相关部门减轻家庭财务脆弱性、维护经济政策稳定提供了宝贵的政策启示。

https://doi.org/10.1007/s10834-024-09991-7

《Digital Financial Inclusion and Poverty-Alleviation Resilience of Chinese Rural Households》

《数字普惠金融与我国农村家庭扶贫承载力》

作者：Lian Hu · Sheng Di · Guohua Ni · Dianshuang Wang · Xinyuan Fang

英文摘要：As the anti-poverty process is dynamic and stochastic and low-income communities are vulnerable to various shocks and stressors, scholars have rapidly embraced the concept of resilience. Motivated by the fact that China has achieved significant progress in eliminating absolute poverty and has quickly developed digital financial inclusion (DFI), utilizing data from the China Household Finance Survey for 2013–2019 and Peking University’s DFI data, this study measures the poverty-alleviation resilience (PAR) of rural Chinese households (split into poverty-eradication and development resilience) and thoroughly analyzes the influence of DFI on PAR. The study finds that (1) DFI improves poverty-eradication and development resilience, and the impact of DFI on development resilience is higher than that of poverty-eradication resilience. This suggests that rural households effectively utilize DFI to improve resilience after escaping poverty. (2) DFI affects the PAR by improving financial literacy, easing credit constraints, and enhancing risk-coping capacities. (3) DFI positively influences PAR for rural households that do not receive pro-poor transfer income, while the impact of DFI on PAR of households who receive pro-poor transfer income is insignificant. Moreover, regional heterogeneity in the impact exists across regions.

中文摘要：由于反贫困进程是动态和随机的，低收入社区容易受到各种冲击和压力，学者们迅速接受了复原力的概念。基于我国在消除绝对贫困方面取得的显著进展和数字普惠金融的快速发展，本研究利用2013-2019年我国家庭金融调查数据和北京大学数字金融调查数据，测算了我国农村家庭的减贫弹性(分为消除贫困和发展弹性) ，并深入分析了数字金融调查对减贫弹性的影响。研究发现: (1)开发性金融提高了消除贫困和发展抵御能力，开发性金融对发展抵御能力的影响大于消除贫困抵御能力。这表明，农村家庭在摆脱贫困后有效利用发展援助提高复原力。(2) DFI 通过提高金融素养、放松信贷约束和增强风险应对能力来影响 PAR。(3) DFI 正向影响未获得扶贫转移收入的农户平均收益率，而 DFI 对获得扶贫转移收入的农户平均收益率的影响不显著。此外，影响的区域异质性存在于不同地区之间。

https://doi.org/10.1007/s10834-024-09992-6

《Factors Deriving Sustainable Oriented Innovation Capability for Firm Competitiveness: Findings from the Family Businesses of an Emerging Countries》

《企业竞争力可持续导向创新能力的影响因素——来自新兴国家家族企业的经验研究》

作者：Gadaf Rexhepi · Arshian Sharif · Arsalan Najmi · Gheorghiţa Dincă

英文摘要：Being competitive in ferocious market conditions which remains a challenge for Family Businesses. These firms operate with acutely limited resources and hence need to develop their innovation capability to address the belligerent market requirements. For the Family Businesses of the developing country, the incorporation of sustainability depends upon a number of factors. Therefore, the current study identifies factors that have the potential to derive the Sustainable Oriented Innovation Capability for enhancing the firm competitiveness. Based on the data of 347 respondents, the application of Structural Equation Modelling reported that Strategic Planning, Knowledge Management, Leadership Management, and Customer Pressure are the forces that can derive the organizations’ Sustainable Oriented Innovation Capability, which has further been reported to enhance the firm competitiveness. Despite the theoretical importance, governmental support is reported to have negligible effects, which makes the context of the developing country more interesting. Based on the findings, a thorough alignment and a revisit of the organizational internal strategic infrastructure are recommended. In contrast, governmental institutions are urged to facilitate Family Businesses in accordance with their potential contribution to the national domestic product.

中文摘要：在激烈的市场环境中保持竞争力仍然是家族企业面临的挑战。这些公司的经营资源极为有限，因此需要发展其创新能力，以满足好战的市场需求。对于发展我国家的家族企业而言，可持续性的纳入取决于若干因素。因此，本研究找出了具有提升企业竞争力潜力的可持续导向创新能力的因素。基于347名受访者的数据，结构方程模型的应用表明，战略规划、知识管理、领导力管理和客户压力是提升企业可持续导向创新能力的主要因素，并进一步提升了企业的竞争力。尽管政府支持在理论上具有重要意义，但据报道其作用微乎其微，这使得发展我国家的情况更加有趣。基于这些发现，我们建议对组织内部战略基础设施进行一次彻底的调整和重新审视。相比之下，政府机构被敦促根据家族企业对国内生产的潜在贡献为其提供便利。

https://doi.org/10.1007/s10834-024-09993-5

《Young Women’s Financial Satisfaction: The Roles of Financial Decision-Making Power, Spousal Relative Resources, and Personal Financial Characteristics》

《青年女性的财务满意度: 财务决策权、配偶相关资源和个人财务特征的作用》

作者：Lu Fan · Soomin Ryu

英文摘要：This study examines the relationships of financial decision-making power, spousal relative resources, and personal financial characteristics with financial satisfaction. Using a sample of young American women with lower income who were married or cohabiting (N = 303), we found that women with higher financial decision-making power in savings and investments as well as in managing regular bills than their spouses were more likely to have higher financial satisfaction compared to women with spouses having higher financial decision-making power. These associations were derived from married women, rather than cohabiting women. Interestingly, women with higher incomes than their spouses reported a lower level of financial satisfaction compared to women with spouses having a higher income. The same pattern was observed for spousal relative education. Subjective financial knowledge had a positive association with financial satisfaction. We also examined potential moderating roles of education, which suggests that women with higher education had a more pronounced association between financial decision-making power in savings and investments and higher financial satisfaction. Our findings provide implications for policymakers, financial service providers, and family life practitioners to potentially reduce gender inequality in intrahousehold financial decision-making, which ultimately benefits financially vulnerable women’s financial satisfaction.

中文摘要：本研究考察了财务决策权、配偶相关资源、个人财务特征与财务满意度的关系。使用一个已婚或同居的低收入年轻美国女性样本(N = 303) ，我们发现在储蓄和投资以及管理日常账单方面拥有更高财务决策权的女性比配偶拥有更高财务决策权的女性更有可能拥有更高的财务满意度。这些联想来源于已婚妇女，而不是同居妇女。有趣的是，收入高于配偶的妇女报告的经济满意度低于收入高于配偶的妇女。配偶的亲属教育也是如此。主观财务知识与财务满意度呈正相关。我们还研究了教育的潜在调节作用，这表明受过高等教育的妇女在储蓄和投资方面的财务决策权与较高的财务满意度之间有更明显的联系。我们的研究结果为政策制定者、金融服务提供者和家庭生活从业者提供了启示，以潜在地减少家庭内部财务决策中的性别不平等，这最终有利于经济脆弱的女性的财务满意度。

https://doi.org/10.1007/s10834-024-09996-2

《Widowhood and Mortality in India: Household Headship and Filial Expectations and Their Association with Mortality Among Older Widows》

《印度的寡妇和死亡率: 家长和子女期望及其与老年寡妇死亡率的关系》

作者：Babul Hossain · Srinivas Goli · K. S. James

英文摘要：This study investigates the relationship between ‘household headship and filial expectations’ and ‘risk of mortality’ for widowed women aged 45 years and above in India. The study used the India Human Development Survey (IHDS), a nationally representative longitudinal survey. The results indicate no excess mortality risk for widows compared to married women, where widows or their sons were household heads. On the other hand, when the widows were in households headed by others (viz. brothers, sons-in-law, grandsons, and extended family members), widows had a heightened mortality risk compared to married women. Further, the analysis suggests that despite heading households if widows expected financial support from their sons, they had higher mortality than widows who did not expect financial support from their sons. The main results hold in multiple robustness checks. First, even after adjusting for the endogeneity between household headship and economic status using the instrument variable (IV) regression model, the results indicate that older widows in households headed by themselves had almost a 30% increased mortality risk compared to the rest of the widows. Second, the heterogeneity analysis suggests that household headship was linked with increased odds of mortality in widows if they were heading the household and did have financial expectations from their sons, particularly if they belonged to poor households and living in rural India. Given that the share of widows in the total older population is expected to rise considerably in the future, the findings assume importance for both policy and practice.

中文摘要：本研究调查了印度45岁及以上丧偶妇女的“家庭负担和子女期望”与“死亡风险”之间的关系。这项研究使用了印度人类发展调查(IHDS) ，这是一项具有全国代表性的纵向调查。结果表明，寡妇的死亡风险不高于已婚妇女，因为在已婚妇女中，寡妇或其儿子是一家之主。另一方面，当寡妇生活在由其他人(即兄弟、女婿、孙子和大家庭成员)为户主的家庭中时，寡妇的死亡风险比已婚妇女高。此外，分析表明，如果寡妇希望儿子提供经济支持，尽管她们是户主，但她们的死亡率高于不希望儿子提供经济支持的寡妇。主要结果保持在多个健壮性检查中。首先，即使在使用工具变量(IV)回归模型调整了家庭户主和经济状况之间的内生性之后，结果表明，在自己为户主的家庭中，与其他寡妇相比，老年寡妇的死亡风险几乎增加了30% 。其次，异质性分析表明，如果寡妇是户主，并且确实对儿子抱有经济期望，特别是如果她们属于贫困家庭并生活在印度农村，那么她们的户主身份与寡妇死亡率增加有关。鉴于寡妇在老年人口总数中所占比例预计今后将大幅度上升，调查结果对政策和实践都具有重要意义。

https://doi.org/10.1007/s10834-024-09995-3

《Division of Financial Responsibility within Mixed-Gender Couples》

《混合性别夫妇经济责任分工》

作者：Marcin Hitczenko

英文摘要：This paper studies the dynamics of financial responsibility division within mixed-gender couples. Analysis is based on individuals’ self-assessments of their own contribution to four household activities collected in the Survey of Consumer Payment Choice. A series of logistic regressions link reported roles from 3728 households to respondent gender and six household characteristics, representing aggregate and relative attributes with respect to age, education, and income. A second, longitudinally-based analysis relates reported contribution levels in subsequent survey years to changes in household income dynamics. For bill payments, the data are consistent with a bargaining model in which relative income rankings, more so than other household variables, relate to responsibility shares. For decisions about saving and investments and decisions on other financial matters, in addition to income rank, there is also some evidence that greater relative educational attainment coincides with greater responsibility shares. For household shopping, however, tendencies in household role assignment seem predominantly driven by gender considerations. Females across all household types consistently do more of the shopping, and females are much more likely to increase their contribution, even when they become the primary earner.

中文摘要：本文研究了跨性别夫妇经济责任分担的动态变化。分析是基于个人对自己对四个家庭活动的贡献的自我评估，收集在《消费者支付选择调查》中。一系列逻辑回归将报告的3728个家庭的角色与受访者的性别和六个家庭特征联系起来，这些特征代表了年龄、教育程度和收入方面的总体和相对属性。第二项纵向分析将随后调查年报告的缴款水平与家庭收入动态变化联系起来。就账单支付而言，这些数据与讨价还价模型一致。在讨价还价模型中，与其它家庭变量相比，相对收入排名与责任分担的关系更为密切。对于有关储蓄和投资的决定，以及有关其它财务事项的决定，除了收入等级之外，还有一些证据表明，更大的相对学历与更大的责任分担相吻合。然而，对于家庭购物而言，家庭角色分配的趋势似乎主要是由性别考虑驱动的。在所有家庭类型中，女性始终做更多的购物，女性更有可能增加她们的贡献，即使她们成为主要的收入来源。

https://doi.org/10.1007/s10834-023-09944-6

《Parental Support and Family Firm Succession Intention: The Mediation Effect of Next-Generation Members’ Commitment to the Family Firm》

《父母支持与家族企业继承意愿: 下一代成员对家族企业承诺的中介效应》

作者：Eko Suhartanto

英文摘要：Based on data from the Global University Entrepreneurial Students’ Spirit Survey (GUESS) 2018 project, this study examined the relationship between parental support factors and next-generation members’ succession intention and investigated the mediating effect of next-generation members’ commitment to the family firm. The results of the structural equation modeling analysis showed a mediating effect of next-generation members’ commitment to the family firm on the relationship between parental support and next-generation members’ succession intention. Specifically, normative commitment negatively mediated the relationship of succession intentions with parental career-related modeling and verbal encouragement. We employed social exchange theory to examine why these relationships occur. The findings of this study extend our knowledge of the parental support factors that potentially increase next-generation members’ commitment and succession intention.

中文摘要：本研究以全球大学创业学生精神调查(GUESS)2018项目数据为基础，考察了父母支持因素与下一代成员继任意愿之间的关系，以及下一代成员对家族企业承诺的中介效应。结构方程模型分析的结果表明，下一代成员对家族企业的承诺对父母支持与下一代成员继任意愿之间的关系具有中介作用。具体而言，规范性承诺在继承意愿与父母职业生涯相关建模和口头鼓励之间起到了负向中介作用。我们运用社会交换理论来研究为什么这些关系会发生。本研究的结果扩展了我们对可能增加下一代成员承诺和继承意愿的父母支持因素的认识。

https://doi.org/10.1007/s10834-023-09945-5

《Women, Economics, and Household Economics: The Relevance of Workshops Founded by Nobel Laureate Gary Becker, and of Jacob Mincer》

《女性、经济学和家庭经济学: 由诺贝尔奖获得者加里 · 贝克尔和雅各布 · 明瑟创立的研讨会的相关性》

作者：Andrea H. Beller · Shoshana Grossbard · Ana Claudia Polato e Fava · Marouane Idmansour

英文摘要：Gary Becker founded two workshops: the Labor Workshop at Columbia University in 1958 and the Applications of Economics Workshop at Chicago in 1970. At Columbia, Becker ran the Labor Workshop for more than a decade; Jacob Mincer co-directed it for about half of that time and then became its principal director. The workshops fostered novel applications of economics to areas like household economics, labor economics and economics of human capital. These workshops had a relatively high proportion of women participating in them. We find that in the years 1960–1980, when Becker and Mincer published pioneering research in household economics, the odds that a PhD in Economics was obtained by a woman were 5.6 times higher among those who had participated in any Becker-founded workshop than among those who had participated in another workshop at Columbia or Chicago. The odds that a graduate was a woman were higher for Columbia than for Chicago and were highest for the Columbia workshop after Becker left for Chicago and Mincer became its principal director. These findings are consistent with women at that time showing a relatively strong interest in household economics combined with the novelty and innovation of the work, the topics covered and the approach taken in the Becker-founded workshops.

中文摘要：加里 · 贝克尔创立了两个研讨会: 1958年在哥伦比亚大学的劳动研讨会和1970年在芝加哥的经济学应用研讨会。在哥伦比亚大学，贝克尔管理劳工工作室超过10年; 雅各布 · 明瑟(Jacob Mincer)在其中大约一半的时间里共同领导该工作室，然后成为其主要负责人。这些研讨会促进了经济学在家庭经济学、劳动经济学和人力资本经济学等领域的新应用。参加这些讲习班的妇女比例相对较高。我们发现，在1960-1980年间，当贝克尔和明瑟发表家庭经济学的开创性研究时，参加过贝克尔创立的研讨会的女性获得经济学博士学位的几率是参加过哥伦比亚或芝加哥其他研讨会的女性的5.6倍。毕业生是女性的几率在哥伦比亚大学高于芝加哥大学，而且在贝克尔离开哥伦比亚大学去芝加哥大学后，明瑟成为哥伦比亚大学研讨会的主要负责人。这些调查结果与当时妇女的情况一致，表明她们对家庭经济有着相对强烈的兴趣，而且工作的新颖性和创新性、所涵盖的主题以及贝克尔创办的研讨会所采取的方法也相对一致。

https://doi.org/10.1007/s10834-023-09941-9

《Do Villagers’ Financial Socialization, Financial Literacy, Financial Attitude, and Financial Behavior Predict Their Financial Well-Being? Evidence from an Emerging India》

《村民的金融社会化、金融素养、金融态度和金融行为是否预示着他们的金融幸福? 来自新兴印度的证据》

作者：Pankaj Kumar · Pardeep K. Ahlawat · Aarti Deveshwar · Mahender Yadav

英文摘要：The present study examines the impact of family financial socialization theory (FFST) subjective constructs consisting of financial socialization (FS), financial literacy (FL), financial attitude, and financial behavior on peri-urban areas male villagers’ financial well-being (FWB) in an emerging economy. The United Nations Sustainable Development Goals (SDGs) 2030 also emphasized improving FWB, especially by achieving SDG-1, SDG-3, and SDG-10. Data from 429 male villagers belonging to villages in peri-urban areas were collected through a self-administered survey questionnaire by applying a purposive sampling technique. The study hypotheses were assessed by employing partial least squares structural equation modeling (PLS-SEM). Results show that male villagers’ financial behavior is most significantly determined by their financial attitude, followed by financial socialization (FS) and financial literacy (FL). Notably, financial behavior emerged as a major antecedent of male villagers’ financial well-being (FWB), followed by FS, financial attitude, and FL. Also, the impact of male villagers’ FL on their financial attitude is more significant than FS. This study provides a major theoretical contribution to the literature, being the first to examine the antecedents of male villagers’ FWB worldwide empirically. Also, this study offers important implications for the government, financial institutions, and financial advisors.

中文摘要：本研究考察了新兴经济体中家庭金融社会化理论(FFST)、金融素养(FL)、金融态度、金融行为等主观结构对城郊男性村民金融幸福感的影响。2030年联合国可持续发展目标(SDGs)也强调改善世界可持续发展目标，特别是通过实现可持续发展目标1、可持续发展目标3和可持续发展目标10。采用有针对性的抽样方法，通过自填式问卷调查，收集了429名城郊农村男性村民的资料。研究假设采用偏最小二乘结构方程模型(PLS-SEM)进行评估。结果表明，男性村民的财务行为主要受其财务态度的影响，其次是财务社会化(FS)和财务素养(FL)。值得注意的是，财务行为是影响男性村民财务幸福感的主要因素，其次是财务状况、财务态度和财务幸福感。男性村民的财务状况对其财务态度的影响显著大于女性村民。本研究为文献研究提供了一个重要的理论贡献，首次对全球男性村民性伴侣的前因进行了实证研究。此外，这项研究为政府、金融机构和金融顾问提供了重要的启示。

https://doi.org/10.1007/s10834-024-09976-6

《The Will to Sustain Through Shocks, Wars and Crises: How the History of a Country Influences the Behaviour of the Family CEO》

《在冲击、战争和危机中求生存的意志: 一个国家的历史如何影响家族 CEO 的行为》

作者：Soumaya El Hayek Sfeir · Andreas Kallmuenzer

英文摘要：What affects family CEO behaviour? The answer to this question is fundamental if we aim to understand the decisions of family CEOs, in particular when facing a crisis. In this article, we examine how the history of a country, in our case Lebanon in the Middle-East, influences the behaviour of CEOs. We particularly focus on family firms as history-dense organizations with its multiple adversities. Investigating this neglected aspect of history research, we emphasize the role of environment in shaping the decision making of family CEOs. Drawing on neuroscience and particularly on mental time travel, we explore the influence of the shocks these people have experienced in their country and how their actions are inspired by what they have previously lived. Our findings from a longitudinal study of five cases show that when family firms face the dual challenge of survival and growth in a turbulent environment, the family CEO has to make bold decisions.

中文摘要：什么会影响家族 CEO 的行为？如果我们的目标是理解家族企业首席执行官的决策，尤其是在面临危机时，那么这个问题的答案是至关重要的。在这篇文章中，我们将探讨一个国家的历史(以 Middle-East 为例)如何影响首席执行官们的行为。我们特别关注家族企业作为历史密集的组织与它的多重逆境。考察历史研究中这一被忽视的方面，我们强调环境在家族 CEO 决策形成中的作用。利用神经科学，尤其是心理时间旅行，我们探索这些人在他们的国家经历的冲击的影响，以及他们的行为如何受到他们以前生活的启发。我们从五个案例中得出的追踪研究表明，当家族企业在动荡的环境中面临生存和发展的双重挑战时，家族首席执行官必须做出大胆的决定。

https://doi.org/10.1007/s10834-024-09985-5

《Sustainability and Technology Go Hand in Hand to Achieve Excellence in Thai Family Businesses: A Big Data Analytical Perspective》

《可持续发展与技术携手并进在泰国家族企业中实现卓越: 一个大数据分析的视角》

作者：Anusara Sawangchai · Rimsha Khalid · Mohsin Raza · Mohammad Said Ibrahim Alshuaibi · Marco Valeri · Jati Kasuma

英文摘要：This paper aims to investigate the role of big data analytical (technological, management, talent) capabilities of family businesses and examines the dual aspects of family leadership focus and family members’ concerns to sustain the business. Further, the study explains the generational transition, innovation, and tradition paradox and proposes a solution to maintain the family legacy. Family businesses are crucial sources of wealth in Southeast Asian countries and 80% of Thailand’s family businesses are owned by second or third generations and so on. The data is collected from Phuket, Thailand which is a regional hub of family businesses. The respondents of study 203 businesses were chosen for data collection and further interpreted through Smart PLS 4.0. The results found that big data analytics management capabilities are significantly associated with the innovation and learning performance of family members and sustainable family business excellence. specifically, talent capabilities and technological capabilities have an insignificant association with a direct relationship with sustainable family business excellence. Furthermore, the moderating role of family members’ adaptability to change is particularly insignificant, associated with big data analytics technological capabilities and sustainable family business excellence. The study analysis revealed mixed findings and generally advocated the need for big data implications in a family business. Most literature focused on non-family businesses, and this study is one of the pioneering studies that discuss big data integration in a family business as a driver of sustainable excellence.

中文摘要：本文旨在探讨大数据分析(技术、管理、人才)能力在家族企业中的作用，并考察家族领导重点和家族成员关心的双重因素对企业持续发展的影响。进一步解释了代际转换、创新和传统悖论，并提出了维护家族遗产的解决方案。在东南亚国家，家族企业是重要的财富来源，泰国80% 的家族企业由第二代或第三代人拥有等等。这些数据是从泰国普吉岛收集的，普吉岛是家族企业的地区中心。研究选取203家企业进行数据收集，并通过 Smart PLS 4.0进行进一步解释。结果发现，大数据分析管理能力与家庭成员的创新和学习绩效以及可持续的家族企业卓越性显著相关。具体而言，人才能力和技术能力与可持续的家族企业卓越性的直接关系微不足道。此外，与大数据分析技术能力和可持续的家族企业卓越性相关的是，家庭成员对变化的适应性的调节作用尤其微不足道。这项研究分析揭示了混合的结果，并普遍主张在家族企业中需要大数据的影响。大多数文献集中在非家族企业，这项研究是一个开创性的研究，讨论大数据集成在家族企业作为可持续卓越的驱动器之一。

https://doi.org/10.1007/s10834-024-09984-6

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