[20210212]IN11602_400美元的问题：金融不安全与2019冠状病毒疾病大流行 .pdf

CRS INSIGHT Prepared for Members and Committees of Congress INSIGHTINSIGHTi i The $400 Question: Financial Insecurity and the COVID-19 Pandemic February 12, 2021 The economic disruption caused by the Coronavirus Disease 2019 (COVID-19) pandemic heightened awareness of household financial insecurity. Financial insecurity was not new for some householdsthey were financially insecure at the onset of the pandemic. Adults with children were disproportionately financially insecure. For some households, financial security improved between fall 2019 and summer 2020, following extraordinary economic relief provided in response to the disruptions caused by the COVID-19 pandemic. This Insight uses survey data on responses to “the $400 question” to analyze the above trends. The question asks those surveyed how they would finance an unexpected $400 expense. The Survey of Household Economics and Decisionmaking The Federal Reserve Board conducts an annual household survey, the Survey of Household Economics and Decisionmaking (SHED), which gauges the state of American households finances and risks to their economic well-being. The first survey, conducted in 2013 in the shadow of the Great Recessio