COVID-19 期间的失业对提前退休提取的影响：中介分析

IF 2.5 3区经济学 Q3 BUSINESS Journal of Consumer Affairs Pub Date : 2024-09-05 DOI:10.1111/joca.12598

Haotian Zheng, Stephen Roll, Mathieu Despard

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引用次数: 0

摘要

本研究探讨了与 COVID-19 相关的失业对提前退休提取的影响，强调了财务困难、主观幸福感、财务知识和应急储蓄的作用。研究从 2929 名受访者中发现，失业会直接或通过财务困难和幸福感增加提前退休的人数。值得注意的是，拥有更多金融知识和至少 3 个月应急储蓄的人受到失业的负面影响较小。我们的研究结果强调了雇主在提供职场财务教育和促进应急储蓄方面的重要作用。这与 SECURE 2.0 法案的战略不谋而合，并强调了财务准备对于缓冲 COVID-19 大流行病等突发事件造成的经济影响的重要意义。

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Job loss during COVID-19 on early retirement withdrawals: A moderated-mediation analysis

This study explores the impact of COVID-19-related job loss on early retirement withdrawals, highlighting the roles of financial hardships, subjective well-being, financial knowledge, and emergency savings. Drawing from 2929 respondents, the research identified that job loss increases early withdrawals, both directly and through financial hardships and well-being perceptions. Notably, individuals with greater financial knowledge and at least 3 months of emergency savings experience less negative impact from job loss. Our findings emphasize the vital role of employers in offering workplace financial education and promoting emergency savings. This aligns with the SECURE 2.0 Act's strategies and underlines the significance of financial readiness in buffering against the economic fallout of unexpected events like the COVID-19 pandemic.

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来源期刊

Journal of Consumer Affairs Multiple-

CiteScore

4.60

自引率

17.90%

发文量

期刊介绍： The ISI impact score of Journal of Consumer Affairs now places it among the leading business journals and one of the top handful of marketing- related publications. The immediacy index score, showing how swiftly the published studies are cited or applied in other publications, places JCA seventh of those same 77 journals. More importantly, in these difficult economic times, JCA is the leading journal whose focus for over four decades has been on the interests of consumers in the marketplace. With the journal"s origins in the consumer movement and consumer protection concerns, the focus for papers in terms of both research questions and implications must involve the consumer"s interest and topics must be addressed from the consumers point of view.