英文文献：The Racial Saving Gap Enigma: Unraveling the Role of Institutions-种族储蓄差距之谜:机构角色的瓦解
英文文献作者：Belton, Willie,Uwaifo Oyelere, Ruth
英文文献摘要：
It has been well documented in the literature that ethnicity matters significantly in the determination of savings. In particular, African-American savings lag far behind that of other ethnic groups. Similarly, the literature also provides evidence of the long-lived nature of institutions and the link between institutions and culture. In this paper, we provide an explanation for the savings gap that still exists between African-Americans and White Americans even after accounting for appropriate factors that can lead to savings differentials. We initially provide evidence that the savings gap exists and persist after including several control variables in a regression analysis. We then provide evidence that the persistent gap can not be attributed solely to racial discrimination but can be explained by the response of culture to institutional scaffolding erected many years earlier. Using a novel within race decomposition we provide evidence that past institutions transmitted through culture can help to explain this persistent saving disparity.

文献中已经清楚地记载，种族在决定储蓄方面起着重要的作用。特别是，非裔美国人的储蓄远远落后于其他种族。同样，文献也提供了制度长久存在的性质和制度与文化之间联系的证据。在本文中，我们对美国黑人和美国白人之间仍然存在的储蓄差距进行了解释，即使考虑了可能导致储蓄差距的适当因素。在回归分析中包括几个控制变量后，我们最初提供了储蓄差距存在并持续存在的证据。然后，我们提供证据证明，这种持续存在的差距不能完全归因于种族歧视，而可以用多年前文化对建立起来的制度脚手架的反应来解释。通过对种族分解的研究，我们提供了一些证据，证明过去通过文化传播的制度有助于解释这种持续存在的储蓄差异。