Journal of Public Economics · 2021 · Robert A. J. Dur、Dimitry Fleming、Marten van Garderen、Max van Lent
中文摘要
大量家庭的储蓄缓冲极少, 因而容易受到金融冲击的影响。本文考察社会规范助推 (social norm nudge) 能否促使这类家庭增加储蓄。我们在荷兰一家零售银行开展了一项大规模实地实验。我们发现, 接收到社会规范助推的家庭更频繁地点击指向个人网页的链接, 在该网页上他们可以开设或调整自动储蓄计划。然而, 通过分析详细的银行数据, 我们发现处理对实际储蓄没有产生效应, 无论短期还是长期均如此。我们的零结果估计得相当精确。一项互补的小规模调查实验表明, 人们确实注意到了社会规范助推, 且该助推对储蓄意向也产生了影响。
Abstract
A large fraction of households have very little savings buffer and are therefore vulnerable to financial shocks. This paper examines whether a social norm nudge can induce such households to save more. We ran a large-scale field experiment at a retail bank in the Netherlands. We find that households who are exposed to the social norm nudge click more often on a link to a personal web page where they can start or adjust an automatic savings plan. However, analyzing detailed bank data, we find no treatment effect on actual savings, neither in the short run nor in the long run. Our null findings are quite precisely estimated. A complementary small-scale survey experiment suggests that people did notice the social norm nudge and also that it had an impact on savings intentions.