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Knowledge and Opinions about Banking Supervision: Evidence from a Survey of Dutch Households

Cruijsen, Carin van der; Haan, Jakob de; Jansen, David-Jan - de Nederlandsche Bank - 2010

What does the general public know about banking supervision? What objectives does the public think bank supervisors should pursue? We investigate these issues using a survey among Dutch households. First, we find that the public's knowledge about banking supervision is far from perfect. We also...

Persistent link: https://www.econbiz.de/10008783626

When does the general public lose trust in banks?

Jansen, David-Jan; Mosch, Robert; Cruijsen, Carin van der - de Nederlandsche Bank - 2013

When does the general public lose trust in banks? We provide empirical evidence using responses by Dutch survey participants to eight hypothetical scenarios. We find that members of the general public care strongly about executive compensation. Negative media reports, falling stock prices, and...

Persistent link: https://www.econbiz.de/10010726974

Financial behaviour of Dutch households: analysis of the DNB Household Survey 2003

Els, P.J.A. van; End, W.A. van den; Rooij, M.C.J. van - de Nederlandsche Bank - 2003

. The increase in mortgage debt is related to mortgage equity withdrawal. The financial vulnerability of households turns …

Persistent link: https://www.econbiz.de/10005021883

The Effect of Transaction Pricing on the Adoption of Electronic Payments: A Cross-Country Comparison

Bolt, Wilko; Humphrey, David; Uittenbogaard, Roland - de Nederlandsche Bank - 2005

Pricing should speed up the substitution of low cost electronic payments for expensive paper-based transactions and cash. But by how much? Norway has explicitly priced individual payment transactions and rapidly shifted to electronic payments while the Netherlands has experienced the same shift...

Persistent link: https://www.econbiz.de/10009319247

Cash versus debit card: the role of budget control

Hernandez, Lola; Jonker, Nicole; Kosse, Anneke - de Nederlandsche Bank - 2014

Due to the financial crisis, an increasing number of households face financial problems. This may lead to an increasing need for monitoring spending and budgets. We demonstrate that both cash and the debit card are perceived as helpful in this respect. We show that, on average, consumers...

Persistent link: https://www.econbiz.de/10010812609

Taking out second mortgages: a statistical analysis of spending and risks

Rooij, M.C.J. van; Stokman, A.C.J. - de Nederlandsche Bank - 2000

This research memorandum analyses the results of a survey among mortgage owners by order of the Nederlandsche Bank. The … and mortgage market and the tax relief of mortgage interest payments. The survey shows that the boom on the housing market … strong impulse to economic growth in the Netherlands. Besides, the survey reveals that notably young mortgage owners, mostly …

Persistent link: https://www.econbiz.de/10005106729

Financial behaviour of dutch households: analysis of the dnb household survey 2003

Els, P.J.A. van; End, W.A. van den; Rooij, M.C.J. van - de Nederlandsche Bank - 2003

. The increase in mortgage debt is related to mortgage equity withdrawal. The financial vulnerability of households turns …

Persistent link: https://www.econbiz.de/10005030224

Mortgage risks, debt literacy and financial advice

Ooijen, Raun van; Rooij, Maarten van - de Nederlandsche Bank - 2014

A limited understanding of mortgage contracts and the risks involved may have contributed to the origination of the … financial crisis. We have designed a special questionnaire to relate mortgage loan decisions to financial literacy and financial … advice. Our findings show that homeowners seem well aware of mortgage risks. Loans are perceived more risky when they are …

Persistent link: https://www.econbiz.de/10011079888

Choice or No Choice: What explains the Attractiveness of Default Options?

Rooij, Maarten van; Teppa, Federica - de Nederlandsche Bank - 2008

The default option in individual decision making has proved to be a major attractor in a large number of situations, but we still have little information on the reasons why decision makers so often stick to the default choice. We have devised a new module for the Dutch DNB Household Survey to...

Persistent link: https://www.econbiz.de/10005101831

How much does the public know about the ECB's monetary policy? Evidence from a survey of Duch households

Cruijsen, Carin van der; Jansen, David-Jan; Haan, Jakob de - de Nederlandsche Bank - 2010

Does the general public know what central banks do? Is this kind of knowledge relevant? Using a survey of Dutch households, we investigate these questions for the case of the European Central Bank (ECB). Our findings suggest that knowledge on the ECB's objectives is far from perfect. Both a weak...

Persistent link: https://www.econbiz.de/10008587050

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