The Risk of Divorce and Household Saving Behavior
利用1996年爱尔兰离婚合法化作为外生冲击，研究发现离婚风险上升显著增加了已婚个体的储蓄倾向，为理解婚姻不确定性对家庭财务决策的影响提供了因果证据。
Abstract We analyze the causal impact of an increase in the risk of marital dissolution on the saving behavior of married couples. We use the legalization of divorce in Ireland in 1996 as an exogenous shock to the risk of divorce. We propose several comparison groups (unaffected by the law change) that allow us to use a difference-in-differences approach. Our findings suggest that the legalization of divorce led to a significant increase in the propensity to save by married individuals, which is consistent with individuals saving more as a response to the increase in the probability of marital breakup.