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Finance & economics · Topic
Instrumental Variables
linear algebra · probability · hypothesis testing · optimization
Instrumental Variables (IV) estimation recovers causal effects when ordinary OLS is biased because of endogeneity — situations where the regressor is correlated with the error term. An instrument provides exogenous variation in the treatment that is unrelated to the outcome except through the treatment itself.

Why OLS fails under endogeneity

Consider $y = X\beta + \varepsilon$. OLS requires $\mathbb{E}[X^\top \varepsilon] = 0$. Endogeneity — omitted variable bias, simultaneity, or measurement error — violates this, making $\hat{\beta}_{OLS}$ inconsistent.

The IV estimator

An instrument $Z$ must satisfy two conditions:

  1. Relevance: $\text{Cov}(Z, X) \neq 0$ — the instrument is correlated with the endogenous regressor.
  2. Exclusion restriction: $\text{Cov}(Z, \varepsilon) = 0$ — the instrument affects $y$ only through $X$.

The IV estimator (just-identified case):

\[\hat{\beta}_{IV} = (Z^\top X)^{-1} Z^\top y\]

Two-Stage Least Squares (2SLS)

In practice, 2SLS is used for over-identified systems ($\dim Z > \dim X$):

Stage 1: Regress $X$ on $Z$: $\hat{X} = Z(Z^\top Z)^{-1} Z^\top X$

Stage 2: Regress $y$ on $\hat{X}$: $\hat{\beta}_{2SLS} = (\hat{X}^\top X)^{-1} \hat{X}^\top y$

This is numerically equivalent to the GMM estimator with moment conditions $\mathbb{E}[Z^\top \varepsilon] = 0$.

Weak instruments

When the first-stage $F$-statistic is below 10–16 (rule of thumb), weak instrument bias becomes severe. Use Anderson–Rubin confidence sets for inference that is robust to weak instruments.