Xu Yilan, Briley Daniel A, Brown Jeffrey R, Roberts Brent W
Department of Agricultural and Consumer Economics, University of Illinois at Urbana-Champaign, United States.
Department of Psychology, University of Illinois at Urbana-Champaign, United States.
J Econ Behav Organ. 2017 Oct;142:404-424. doi: 10.1016/j.jebo.2017.08.001. Epub 2017 Aug 10.
Heterogeneity of household financial outcomes emerges from various individual and environmental factors, including personality, cognitive ability, and socioeconomic status (SES), among others. Using a genetically informative data set, we decompose the variation in financial management behavior into genetic, shared environmental and non-shared environmental factors. We find that about half of the variation in financial distress is genetically influenced, and personality and cognitive ability are associated with financial distress through genetic and within-family pathways. Moreover, genetic influences of financial distress are highest at the extremes of SES, which in part can be explained by neuroticism and cognitive ability being more important predictors of financial distress at low and high levels of SES, respectively.
家庭财务状况的异质性源于各种个人和环境因素，包括性格、认知能力和社会经济地位（SES）等。利用一个具有遗传信息的数据集，我们将财务管理行为的差异分解为遗传、共享环境和非共享环境因素。我们发现，财务困境中约一半的差异受到遗传影响，性格和认知能力通过遗传和家庭内部途径与财务困境相关。此外，财务困境的遗传影响在社会经济地位的极端情况下最为显著，这部分可以通过神经质和认知能力分别在低和高社会经济地位水平上是财务困境更重要的预测因素来解释。
