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- W2273664664 abstract "Com dados da Pesquisa de Orcamentos Familiares de 2008-2209, o estudo avalia empiricamente as implicacoes da teoria do ciclo da vida/renda permanente para o comportamento das trajetorias do consumo e da taxa de poupanca das familias brasileiras no ciclo da vida. O objetivo e testar a validade da hipotese de suavizacao intertemporal do consumo por meio do acesso ao mercado de credito, a qual, por sua vez, implica uma taxa de poupanca negativa na juventude e na velhice, quando a renda e relativamente baixa, e uma taxa positiva na meia-idade, quando a renda e alta. Supondo forte correlacao entre educacao e renda permanente, a amostra de familias e dividida em grupos com diferentes niveis de escolaridade, uma vez que a capacidade de endividamento das familias pode depender de seu estoque de riqueza e capital humano. Os resultados revelam a existencia de um forte paralelismo entre renda e consumo correntes para todos os niveis de escolaridade. Em consequencia, a taxa de poupanca permanece positiva – devido ao motivo precaucao – praticamente ao longo de todo o ciclo da vida, sendo mais elevada nas familias de maior escolaridade. Uma possivel explicacao e que obstaculos institucionais para o acesso ao mercado de credito impedem que as familias brasileiras suavizem seu consumo no ciclo da vida mesmo quando isto e a alocacao otima resultante de suas preferencias. With data from the Consumer Expenditure Survey of 2008-2209, the work assesses empirically the implications of the theory of life/permanent income for the behavior of the trajectories of consumption and savings rate of Brazilian families in the life cycle. The objective is to test the validity of the hypothesis of intertemporal consumption smoothing through access to the credit market, which in turn implies a negative savings rate for young and old families, when income is low, and a positive rate for middle aged families, when income is high. Assuming strong correlation between education and permanent income, the sample of households is divided into groups with different levels of education, since the ability of household debt may depend on your stock of wealth and human capital. The results reveal the existence of a strong parallel between income and current consumption for all levels of schooling, and this fact is more pronounced for the lower levels. As a consequence, the saving rate remains positive – for precautionary reason – practically throughout the life cycle. One possible explanation is that institutional barriers to access the credit market prevent Brazilian families from smoothing consumption through the life cycle." @default.
- W2273664664 created "2016-06-24" @default.
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- W2273664664 date "2014-08-01" @default.
- W2273664664 modified "2023-09-27" @default.
- W2273664664 title "Taxa de poupança e consumo no ciclo da vida das famílias brasileiras: evidência microeconômica" @default.
- W2273664664 hasPublicationYear "2014" @default.
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