DOES BIOLOGICAL ENDOWMENT MATTER FOR DEMAND FOR FINANCIAL SERVICES? EVIDENCE FROM RUSSIAN HOUSEHOLD SURVEY
Financial Economics. FE. Высшая школа экономики , 2016. No. WP BRP 52/FE/2016.
Semenova M., Andrievskaya I.
There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual’s overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent individual biological endowment, proxied by prenatal testosterone (PT) (measured by the 2D:4D ratio), can determine personal demand for bank services and insurance. We use data from the Russian Longitudinal Monitoring Survey of 2011–2012. Our findings confirm the existence of the link between inherent biological variation and financial inclusion: PT affects the use of bank cards, intention to take out a loan, having a bank deposit and the consumption of insurance products.
, , , Эффект пренатального тестостерона на результаты жизнедеятельности человека / . 2014.
Different studies document direct and indirect factors, which influence educational attainment and occupational choice. From the other side, the role of biological determinants is relatively new. Our study is focused on the impact of prenatal testosterone (measured by the second to fourth finger digit ratios, 2d:4d) on university students’ achievements, lifetime educational levels, achieved by ...
Added: November 10, 2014
Does biological endowment matter for demand for financial services? Evidence from 2D:4D ratio in the Russian household survey
, , Personality and Individual Differences 2017 Vol. 104 P. 155-165
There are many studies revealing factors which influence the demand for financial services. However genetic features, determining the individual's overall postnatal behaviour, have not been studied within this context. This paper extends the previous literature by studying to what extent individual biological endowment, proxied by prenatal testosterone (PT, measured by the 2D:4D ratio), can determine ...
Added: August 9, 2016
, Отцы и дети: "премия" за отцовство на российском рынке труда / Высшая школа экономики. Серия WP3 "Проблемы рынка труда". 2020.
The position and behavior of adult individuals in the labor market is usually linked with the presence of children. Numerous studies show that mothers suff er a wage penalty relative to wo men without children. A less studied issue is whether men’s earnings are somehow aff ected by children. In this paper, we analyze the ...
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The position and behavior of adult individuals in the labor market is usually linked with the presence of children. Numerous studies show that mothers suffer a wage penalty relative to women without children. A less studied issue is whether men’s earnings are somehow affected by children. In this paper, we analyze the relationship between wages ...
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The efficiency of social reforms in different countries mostly depends on the extent to which they can be accepted by the population. However, even if problems are similar, the reasons may differ, which can make it difficult to apply existing laws of one state to another. Bribery is a typical problem for developing countries as ...
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, , , Personality and Individual Differences 2017 Vol. 112, 1 July 2017 P. 62-66
Does in utero exposure to testosterone – as proxied by measured 2D:4D digit ratios – affect lifetime educational outcomes? A growing body of work finds 2D:4D to be associated with aggression, physical fitness, performance in computer science, and type of occupation. While most work tends to show a negative relationship between 2D:4D and outcomes, the ...
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, , , М.: Библио-глобус, 2017
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М.: ИНИОН РАН, 2004
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, State-controlled "national champions" of the Russian banking market: Concentration, competitiveness, and efficiency / Social Science Research Network. Series "SSRN Working Paper Series". 2013. No. 2223686.
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, Journal of Business Cycle Measurement and Analysis 2014 No. 1 P. 103-128
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Россия в глобальном мире. Сборник научных трудов 10-й Всероссийской научно-теоретической конференции
СПб.: Издательство Политехнического университета, 2012
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, , Post-Soviet Affairs 2018 Vol. 34 No. 6 P. 412-429
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М.: Русский сувенир, 2009
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