We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity … constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new … harmonized data set collecting detailed information on wealth holdings, consumption and income at the household level. Since the …

document substantial heterogeneity across these dimensions. The median household in the euro area has a positive interest rate …

Excessive household borrowing has been identified as an important determinant of financial crises. Borrower …-based instruments to be evaluated ex ante. The simulation is based on microdata from the German Panel on Household Finances (PHF) and is …-macro consistent simulation approach can be used to detect vulnerabilities in household balance sheets and perform an ex ante analysis …

are significant differences regarding the marital status, the presence of at least one child in the household and whether … the household is located in a former West or East German federal state. Married couples and couples with children are …