Replication Data for: Borrowing to Self-Insure? Credit Access and Support for Welfare
<|begin_of_text|><|start_header_id|>system<|end_header_id|> You are a research archivist expert in dataset metadata. Answer the question truthfully.  <|eot_id|><|start_header_id|>user<|end_header_id|> Here is the Description of a dataset. Description:'The idea that credit can be a private form of insurance against economic shocks has recently gained credence, but do individuals really see bank credit as an acceptable substitute for social insurance? We conjecture that credit constitutes a viable alternative to social insurance for those with high incomes and those who face low risk from unemployment. Relying on observational data from the European Social Survey between 2002--10 we conclude that individuals with better credit access demand lower levels of redistribution, but confirm this effect is moderated by income and job loss risk. We then conduct a conjoint analysis in the United Kingdom that also points to a credit-access effect on preferences regarding welfare. Specifically, we find that high-income, low-risk individuals prefer lower income taxation --- i.e., a lower fiscal bur' . Please return only a json list of at most 3 Keywords corresponding to the Description:.<|eot_id|><|start_header_id|>assistant<|end_header_id|> {"Answer" : ["credit access","insurance","redistribution","welfare state"]} <|eot_id|>
 Here is the Description of a dataset. Description:'The idea that credit can be a private form of insurance against economic shocks has recently gained credence, but do individuals really see bank credit as an acceptable substitute for social insurance? We conjecture that credit constitutes a viable alternative to social insurance for those with high incomes and those who face low risk from unemployment. Relying on observational data from the European Social Survey between 2002--10 we conclude that individuals with better credit access demand lower levels of redistribution, but confirm this effect is moderated by income and job loss risk. We then conduct a conjoint analysis in the United Kingdom that also points to a credit-access effect on preferences regarding welfare. Specifically, we find that high-income, low-risk individuals prefer lower income taxation --- i.e., a lower fiscal bur' . Please return only a json list of at most 3 Keywords corresponding to the Description:.
The idea that credit can be a private form of insurance against economic shocks has recently gained credence, but do individuals really see bank credit as an acceptable substitute for social insurance? We conjecture that credit constitutes a viable alternative to social insurance for those with high incomes and those who face low risk from unemployment. Relying on observational data from the European Social Survey between 2002--10 we conclude that individuals with better credit access demand lower levels of redistribution, but confirm this effect is moderated by income and job loss risk. We then conduct a conjoint analysis in the United Kingdom that also points to a credit-access effect on preferences regarding welfare. Specifically, we find that high-income, low-risk individuals prefer lower income taxation --- i.e., a lower fiscal bur
credit access; insurance; redistribution; welfare state