Since 2015 consumer loans have been rising fast in France, Germany, Italy, and Spain. Credit demand, specifically for consumer durables, has played a crucial role; the easing of supply conditions has been relevant only in Italy and Spain, which experienced stronger credit tightening during the...

Italian Abstract: Nel periodo 2007-2014, caratterizzato da due crisi eccezionalmente gravi, le banche locali italiane hanno accresciuto la loro presenza sul territorio, ampliando la rete degli sportelli mentre le altre la riducevano, e rafforzato la quota di mercato sui prestiti a famiglie e...

In this article we test whether Italian female entrepreneurs are more reliable payers than men, by carrying out a survival analysis of micro enterprises that utilize a credit for the first time in the period January 2005 to December 2008, and monitoring the quality of their exposure until...

This paper depicts – from a variety of viewpoints – the degree of indebtedness and potential financial vulnerabilities of households across the Italian regions. Micro-data from several sources suggest that the financial situation of Italian households shows striking differences at...

Italian Abstract: Nel periodo compreso fra giugno 2020 e dicembre 2021, il ricorso alle misure a sostegno della liquidità delle imprese introdotte a seguito della pandemia di Covid-19 ha presentato una distribuzione non uniforme sul territorio nazionale. Le differenze sono riconducibili solo in...

We exploit a novel dataset on mortgages offered by banks through Italy’s main online mortgage broker, which works with banks representing over 80 per cent of mortgages granted, to gain an up-to-date assessment of loan supply conditions. Characteristics of mortgages are reported for about...

Asset and liability management deals with the joint evaluation of assets and liabilities in a bank’s balance sheet; it is a traditional tool used by intermediaries to limit financial risks. Building on a measure of the extent of asset-liability management practices, which we name...