سال انتشار:

2021

---

عنوان انگلیسی مقاله:

Testing the effectiveness of consumer financial disclosure: Experimental evidence from savings accounts

---

ترجمه فارسی عنوان مقاله:

تست اثربخشی افشای مالی مصرف کننده: شواهد تجربی از حساب های پس انداز

---

منبع:

ScienceDirect- Elsevier- Journal of Financial Economics, 141 (2021) 122-147: doi:10:1016/j:jfineco:2020:05:009

---

نویسنده:

Paul Adams

---

چکیده انگلیسی:

While popular with policymakers, most evidence on consumer financial disclosure’s effectiveness studies borrowing decisions (where optimality is unclear) or lab experiments (where attention is not scarce). We provide field evidence from randomized controlled trials with 124,000 savings account holders at five UK depositories. Treated consumers were disclosed varying degrees of salient information about alternative products, including one with their current provider strictly dominating their current product. Despite switching taking roughly 15 minutes and the moderate average potential gains ($190/year), switching is rare across disclosure designs and depositors. We find pessimistic beliefs drive disclosure inattention and limit disclosure’s effectiveness, helping explain deposit stickiness. -
keywords: افشاء | سپرده های چسبنده | مقررات مالی | عدم توجه | هزینه های تعویض | Disclosure | Sticky deposits | Financial regulation | Inattention | Switching costs

---

---

قیمت: رایگان

---

توضیحات اضافی:

---

---

---