46220097 15 21.812 5 1 1 2004 15117 2 2005 3 5 6 2005 B 1
2 3 200321.8 4 5 4 6 7 1513 4 28 152400 15 2 6000 415869.3 1562777 Repeated Cross-Section Data 2 1 2
21.8 7 23 81 7 1a 1 125 1257.230 1 1b 47 47 13.8501 35 3 4.32 19 1 1 94 9458.5 500 1 19323 1 31.9 1 0 2
18 1 2 155 0 18 507 0 1 2 1 3 2 1 14.2 21.8 14.22004 2002 14.9024.5 0 5 3 4 3 4 ()
Hubbard, Skinner and Zeldes (1995) DP 5 1 2003 2004 6 4.1 1 3 8 1 59.4 39.8 9 8 5 6
5 7 8 6 60 7 60 4.2 2004 8 4.3 8 0.5 58.4 9 60 35 8. 60 20 9 20 200 10 60 7 8 9 0.5 20 10 200 19
37 1.17 1.1 56.4 4.4 11 20 30 60 70 20 30 2030 12 150 150 250 4.5 13 17.8 33.7 900 11 4.6 14 394465 11
15 37.8 10.78.5 5.1 1 0 16 6060 6060 / / 5.2 17exponential 160 260 12 800 150 150250 70203040 12
1.07 13 2 3 / 4,5 6.1 1995199920031995 1 1999 2003 1995 2 1820 9599 1 9599992003 2224 6.2 Blinder-Oaxaca Blinder-Oaxaca 1 13 1
logit Identification Blinder-Oaxaca 14 logit exponential 2 exponential 2 exponential Blinder-Oaxaca 3 log 1 2 3 24 200317 25 26 25 1999-2003 74.1 128.8 1995-9955.6-37.0 9.8 32.4 22.6 33.1 4 1995-99 1999-2003 26 14 3
2003 1521.8 21.8 14.2 4.5 logit Blinder-Oaxaca 1995-1999 1999-2003 200315 200346 3 2004 20041 - - Aizcorbe A., A.Kennickel and B.K. Moore (2003) Recent Changes in U.S. Family Finances: Evidence ofrm the 1998 and 2001 Survey of Consumer Finances, Federal Reserve Bulletin, January Hubbard,R.G. J.Skinner and Zeldes, S (1995), Precautionary Saving and Social Insurance, Journal of Political Economy 103(2), pp.360-99.