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Testing Savings Product Innovations Using an Experimental Methodology

China’s fiscal system has gone through three basic phases. Before 1979, the central government had a formal monopoly over both revenues and expenditures. Between 1979 and 1993, under the economic reforms championed by Deng Xiaoping and his supporters, this fiscal system changed to a fiscal contract system, but there were at least six different types of contracts between provinces and the center, and little consistency between provinces or over time. Provinces generally collected most of the revenue and then turned over a contracted portion to the center – sometimes a quota amount, sometimes a fixed share, sometime. | ADB ERDTechnical Note Series ECONOMICS AND RESEARCH DEPARTMENT No.8 November 2003 Testing Savings Product Innovations Using an Experimental Methodology Asian Development Bank 6 ADB Avenue Mandaluyong City P.O. Box 789 0980 Manila Philippines http www.adb.org Economics ISSN 1655-5236 Publication stock No. 100303 Nava Ashraf Dean s. Karlan Wesley Yin Printed by Asian Development Bank Asian Development Bank http www.adb.org Economics ERD Technical Note No. 8 Testing Savings Product Innovations Using an Experimental Methodology Nava Ashraf Dean S. Karlan Wesley Yin November 2003 Nava Ashraf is a Ph.D. candidate in the Department of Economics Harvard University Dean S. Karlan is Assistant Professor of Economics and International Affairs Princeton University and President Innovations for Poverty Action and Wesley Yin is a Ph.D. candidate in the Department of Economics Princeton University. The authors wish to thank Brett Coleman Nimal Fernando Roger Thomas Moyes Sununtar Setboonsarng Vo Van Cuong and Xianbin Yao from the Asian Development Bank for useful comments and the Asian Development Bank for funding under RSC-C20817-PHI. Likewise Dr. Enjiang Cheng of Victoria University Australia for reviewing the paper and the Green Bank of Caraga for its collaboration. All views and errors are the authors . Asian Development Bank P.O. Box 789 0980 Manila Philippines 2003 by Asian Development Bank November 2003 ISSN 1655-5236 The views expressed in this paper are those of the author s and do not necessarily reflect the views or policies of the Asian Development .