增加储蓄的更好策略：来自智利三项干预的证据

中文摘要

个体行为偏误可能影响储蓄行为。我们开展了一项实验，以评估增加储蓄的不同策略。我们比较了自动储蓄计划（或默认规则）、每月提醒，以及一种倡导审慎支出的经验法则储蓄方案。我们发现，经验法则和默认规则可以在干预后一年内增加储蓄。相比之下，提醒可能降低账户余额和债务水平。默认规则下储蓄的增加源于存款的（机械性）增加，但随后储蓄又因取款增加而下降。

Abstract

Individual behavioral biases can affect savings behavior. We conduct an experiment to evaluate different strategies to increase savings. We compare an automatic savings plan (or default rule), monthly reminders, and a rule-of-thumb savings package that appeals to careful spending. We find that rule-of-thumb and default rules can increase savings for one year after the intervention. In contrast, reminders can reduce account balances and debt levels. The increase in savings under the default rule is produced by a (mechanical) increase in deposits, but savings is later decreased by an increase in withdrawals.