论文标题
大衰退后家庭净金融资产的变化：金融筹办者有所作为吗？
Changes in Household Net Financial Assets After the Great Recession: Did Financial Planners Make a Difference?
论文作者
论文摘要
这项研究利用了2007 - 2009年对消费者财务调查（SCF）数据集的调查，以检查财务规划师使用对大衰退期间家庭净金融资产水平的影响。数据包括3,862名受访者完成了SCF调查和后续访谈。结果表明，在大衰退期间开始使用财务计划者对保存和增加家庭净金融资产的价值产生积极影响，同时减少此期间金融计划师的使用对保留家庭金融资产的价值产生了负面影响。因此，研究结果表明，在重大财务低迷期间，使用财务计划者的好处可能特别高。
This study utilized the 2007-2009 Survey of Consumer Finances (SCF) panel dataset to examine the impact of financial planner use on household net financial asset level during the Great recession. Data included 3,862 respondents who completed the SCF survey and a follow up interview. The results indicated that starting to use a financial planner during the Great Recession had a positive impact on preserving and increasing the value of households' net financial assets, while curtailing the use of a financial planner during this time had a negative impact on preserving the value of households' financial assets. Thus, study findings indicated that the benefit of using a financial planner maybe particularly high during a major financial downturn.
