NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH
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Finance and Children's Academic Performance

Qing Hu, Ross Levine, Chen Lin, Mingzhu Tai

NBER Working Paper No. 26678
Issued in January 2020
NBER Program(s):Corporate Finance, Children, Economics of Education, Labor Studies

What is the impact of regulatory reforms that enhance credit market efficiency on children’s human capital? Using a parent-child panel dataset, we find that such reforms reduced children’s academic performance in low-income families. Consistent with the view that financial development entices low-income parents to substitute out of childrearing and into employment with adverse effects on children’s education, we find that among low-income families, regulatory reforms: increased mother’s employment hours, reduced parental supervision and parent-child discussions about school and college, and had bigger adverse effects when mothers were not already working full-time and grandparents were not living with the child.

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Document Object Identifier (DOI): 10.3386/w26678

 
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