Rhodes Alec P, Dwyer Rachel E
University of Wisconsin-Madison, Madison WI, USA.
Ohio State University, Columbus OH, USA.
Work Occup. 2025 Aug;52(3):447-488. doi: 10.1177/07308884241273248. Epub 2024 Oct 1.
Unionized workers experience significant labor market advantages. Do these advantages transfer to financial markets, including credit and consumer markets? We argue that union coverage facilitates financial advantages in young adulthood by enhancing access to wealth-building credit and avoidance of costly financial coping strategies. We extend a conceptual model of financial advantage based on young adults' debt holdings to the case of early career union coverage using data from the . Findings support the importance of labor market institutions in fostering financial advantages and underscore the role of credit and debt for life course inequality processes.
加入工会的工人享有显著的劳动力市场优势。这些优势会转移到金融市场，包括信贷和消费市场吗？我们认为，工会覆盖范围通过增加获得财富积累信贷的机会和避免采用成本高昂的财务应对策略，促进了青年时期的金融优势。我们使用来自……的数据，将基于年轻人债务持有情况的金融优势概念模型扩展到早期职业工会覆盖的情况。研究结果支持了劳动力市场制度在促进金融优势方面的重要性，并强调了信贷和债务在人生历程不平等过程中的作用。
