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Macroeconomic Determinants of Bad Loans : Evidence from Italian Banks

Bofondi, Marcello - 2011

quality in Italy in the past twenty years, as measured by the ratio of new bad loans to the outstanding amount of loans in the …

Persistent link: https://www.econbiz.de/10013124759

Italian Household Debt after the 2008 Crisis

Magri, Silvia - 2012

After the crisis, from 2008 to 2010 the share of indebted households decreased both owing to a reduction in loan demand and stricter supply conditions. The reduction regarded mortgages and involved low-income households and the self-employed. Recourse to consumer credit remained stable; it...

Persistent link: https://www.econbiz.de/10013097936

Crisis and Italian Households : A Microeconomic Analysis of Mortgage Contracts

Felici, Roberto - 2012

Using information on about 2 million house purchase loans to households, this paper analyses the effects of the financial crisis on this portion of the credit market. From 2008 to 2011 the total number and value of new mortgages decreased sharply. The results show that young households and...

Persistent link: https://www.econbiz.de/10013099600

Principali Risultati dell’Household Finance and Consumption Survey : l’Italia Nel Confronto Internazionale (Main Results of the Household Finance and Consumption Survey: Italy in t...

Gambacorta, Romina - 2013

emphasis on the data for Italy in the international context. The paper examines households' socio-demographic characteristics …, assets and income distribution, participation in real and financial assets and indebtedness levels. The results for Italy … reveal a mean household gross income below the euro-area average. The concentration of income in Italy is roughly positioned …

Persistent link: https://www.econbiz.de/10013082376

Household Over-Indebtedness : Definition and Measurement with Italian Data

D'Alessio, Giovanni - 2013

The last decade has seen significant increases in consumer indebtedness in western countries, causing concern about its economic and social impact. In particular, over-indebtedness is attracting attention from national and international authorities because of its potential effect on both the...

Persistent link: https://www.econbiz.de/10013083992

Over-Indebtedness in Italy : How Widespread and Persistent Is It?

D'Alessio, Giovanni - 2016

to the Italian case from 2008 to 2014 by using the wide array of information available from the Bank of Italy's survey on …

Persistent link: https://www.econbiz.de/10012993380

With (More Than) a Little Help from My Bank. Loan-to-Value Ratios and Access to Mortgages in Italy

Liberati, Danilo - 2016

This paper introduces a framework to jointly account for the affordability of the periodic repayment of the housing debt (income constraint) and of the initial deposit (budget constraint). An application to 2006-2012 micro-data on Italian households indicates that the improvement in the ability...

Persistent link: https://www.econbiz.de/10012994331

Climate change and credit risk : the effect of carbon taxes on Italian banks’ business loan default rates

Angelico, Cristina; Aiello, Maria Alessia - 2022

Climate change poses severe systemic risks to the financial sector through multiple transmission channels. In this paper, we estimate the potential impact of different carbon taxes (€50, €100, €200 and €800 per ton of CO2) on the Italian banks’ default rates at the sector level in the...

Persistent link: https://www.econbiz.de/10013288848

Are Female Entrepreneurs Better Payers than Men?

Coin, Daniele - 2013

, and monitoring the quality of their exposure until December 2010. The data were drawn from the Bank of Italy's Central …

Persistent link: https://www.econbiz.de/10013078413

Female Entrepreneurs in Trouble : Do Their Bad Loans Last Longer?

Marcucci, Juri - 2013

We investigate the duration of bad loans for a unique data set of sole proprietorships in Italy, finding that bad loans …

Persistent link: https://www.econbiz.de/10013078611