SNAP工作要求的财务影响

中文摘要

本文考察补充营养援助计划（SNAP）福利工作要求实施后个人层面的信贷反应。为此，本文利用大衰退后重新实行工作要求在县级层面的差异进行识别。我们发现，新的SNAP工作要求促使更多人寻求新信贷，并导致信贷账户开立数量增加。新的工作要求还导致未偿信贷余额总额以及逾期余额增加。这些发现表明，个人在失去SNAP资格后，正转向信贷和债务产品以支付开支。

Abstract

This paper considers individual-level credit responses after the implementation of work requirements for SNAP benefits. It does so by exploiting county-level variation in the reintroduction of work requirements after the Great Recession. We find that new SNAP work requirements lead more people to seek out new credit and lead to an increase in credit account openings. New work requirements also result in an increase in total outstanding credit balances as well as an increase in past due balances. These findings suggest that individuals are turningto credit and debt products to cover expenses after losing SNAP eligibility.