全球智库信息集成服务系统(G2TT): An Empirical History of the United States Postal Savings System

G2TT

来源类型	Working Paper
规范类型	报告
DOI	10.3386/w25812
来源ID	Working Paper 25812
	An Empirical History of the United States Postal Savings System
	Steven Sprick Schuster; Matthew Jaremski; Elisabeth Ruth Perlman
发表日期	2019-05-06
出版年	2019
语种	英语
摘要	Seeking to reach the unbanked, the United States Postal Savings System provided a federally insured savings alternative to traditional banks. Using novel datasets on postal deposits, demographic characteristics, and banks, we study how and by whom the System was used. We find the program was initially used by non-farming immigrant populations for short-term saving, then as a safe haven during the Great Depression, and finally as long-term investment for the wealthy during the 1940s. However, even during the earliest period, Postal Savings was only a partial substitute for traditional banks, as locations with banks often still heavily used postal savings.
主题	Financial Economics ; Financial Institutions ; Public Economics ; Public Goods ; History ; Financial History
URL	https://www.nber.org/papers/w25812
来源智库	National Bureau of Economic Research (United States)
引用统计
资源类型	智库出版物
条目标识符	http://119.78.100.153/handle/2XGU8XDN/583485
推荐引用方式 GB/T 7714	Steven Sprick Schuster,Matthew Jaremski,Elisabeth Ruth Perlman. An Empirical History of the United States Postal Savings System. 2019.