一系列经济领域研究已经表明,美国人的理财知识欠缺程度令人震惊。其中最新一项研究来自经济学家本杰明o基斯、德温o波普和贾伦o波普,他们的课题是美国人在金融危机达到高峰时的再融资习惯。当时,美国财政部和美联储正在竭尽全力帮助按揭者进行再融资并利用低利率环境。这篇研究报告称:
“We estimate that approximately 20% of households for whom refinancing would be optimal and who appeared unconstrained to do so, had not taken advantage of the lower rates. We estimate the present-discounted cost to the household who fails to refinance to be approximately $11,500, making this a particularly large consumer financial mistake.”
“对有些家庭来说,再融资是最佳方案,而且这方面也不存在障碍。但据我们估算,在这些家庭中,约有20%并未对低利率加以利用。据我们计算,对未能再融资的家庭来说,其当前贴现损失约为1.15万美元,这在消费金融领域算是个特别大的失算。”
Altogether, this failure to refinance cost these consumers, and presumably the economy at large, $5.4 billion. And this estimate is actually on the conservative side of the spectrum.
由于没有进行再融资,这些消费者的整体损失为54亿美元,想必整个美国经济也蒙受了同等金额的损失。而且这个数字实际上偏向保守。
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