作者：Mian, Atif; Sufi, Amir
作者单位：University of California System; University of California Berkeley; University of Chicago
作者：Campbell, John Y.; Giglio, Stefano; Pathak, Parag
作者单位：Harvard University; National Bureau of Economic Research; University of Chicago; Federal Reserve System - USA; Federal Reserve Bank - Boston; Massachusetts Institute of Technology (MIT)
作者：Azzimonti, Marina
作者单位：University of Texas System; University of Texas Austin
