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Demand for Self Control: A model of Consumer Response to Programs and Products that Moderate Consumption
Berg, Nathan; Kim, Jeong-Yoo - Volkswirtschaftliche Fakultät, … - 2010
Is it better to apply effort to increase personal consumption, or control what one wants? The model presented here … desire for ordinary consumption by reducing threshold levels required to achieve goals or target-levels of consumption …. Consumers face a choice between allocating resources toward increasing expected levels of consumption or increasing chances of …
Persistent link: https://www.econbiz.de/10008693565
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LITIGATIONS, DAMAGES AND SOLUTIONS IN RESIDENTIAL MORTGAGE-BACKED SECURITIES
Jomadar, Dinesh - Volkswirtschaftliche Fakultät, … - 2009
Mortgage-backed securities (MBS) are debt obligations whose cash flows are backed by the principal and interest payments of pools of mortgage loans, most commonly on residential property (Riddiough, 2001). Lenders establish underwriting guidelines, evaluate prospective homeowners’ credit, and...
Persistent link: https://www.econbiz.de/10008866120
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Liquidity Contractions, Incomplete Financial Participation and the Prevalence of Negative Equity Non-recourse Loans
Iraola, Miguel; Torres-Martínez, Juan Pablo - Volkswirtschaftliche Fakultät, … - 2013
We address a dynamic general equilibrium model where securities are backed by collateralized loans, and borrowers face endogenous liquidity contractions and financial participation constraints. Although the only payment enforcement is the seizure of collateral guarantees, restrictions on credit...
Persistent link: https://www.econbiz.de/10011113921
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Consumption in developed and emerging economies.
Kadish, Peter - Volkswirtschaftliche Fakultät, … - 2010
In what follows various econometric technique is applied to determine the source of consumption growth with historical …
Persistent link: https://www.econbiz.de/10008490091
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CONSUMER CREDIT DELINQUENCY AND BANKRUPTCY FORECASTING USING ADVANCED ECONOMETRC MODELING
Ji, Tingting - Volkswirtschaftliche Fakultät, … - 2004
This research paper empirically shows that unemployment is significant in determining both consumer bankruptcy filings and delinquency even after controlling for household demographics. Furthermore, I show that unemployment and the debt/wealth ratio also affect the choice of whether to file for...
Persistent link: https://www.econbiz.de/10005620059
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Destapando la Caja Negra: Sociologías de los Créditos de Consumo en Chile
Ossandón, José - Volkswirtschaftliche Fakultät, … - 2012
There is no doubt; consumer credits are more and more present in the economic life of the Chileans. It is enough to go to any shopping mall, supermarket or even medical centre to realize that today it is possible to buy almost everything with some kind of loan. The expansion of consumer credit...
Persistent link: https://www.econbiz.de/10011258651
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Consumer credit in an era of financial liberalisation: An overreaction to repressed demand?
Brissimis, Sophocles N.; Garganas, Eugenie N.; Hall, … - Volkswirtschaftliche Fakultät, … - 2012
In this paper we empirically analyse the factors which determined consumer credit in Greece in the period before and after the financial liberalisation, while accounting for significant changes in structure due to the lifting of credit restrictions and the subsequent impressive boom of consumer...
Persistent link: https://www.econbiz.de/10011107752
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Transparency between banks and their customers. information needs and public intervention
Caratelli, Massimo - Volkswirtschaftliche Fakultät, … - 2005
Factors such as the spread of complex financial instruments, the broadening of available alternatives, have fostered more decisive public intervention in support of transparency between banks and their customers. The effectiveness of the public intervention measures depends on the actual...
Persistent link: https://www.econbiz.de/10009652925
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Impact of financial education and transparency on borrowing decisions. the case of consumer credit
Caratelli, Massimo; Ornella, Ricci - Volkswirtschaftliche Fakultät, … - 2011
Existing studies are not conclusive in favor of a strong relationship between the financial literacy and the ability to take better borrowing decisions. Results are quite heterogeneous and often point out the relevance of other factors, such as socio-demographic features or practical experience...
Persistent link: https://www.econbiz.de/10009652948
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Consumer credit in an era of financial liberalisation: An overreaction to repressed demand?
Brissimis, Sophocles N.; Garganas, Eugenie N.; Hall, … - Volkswirtschaftliche Fakultät, … - 2012
In this paper we empirically analyse the factors which determined consumer credit in Greece in the period before and after the financial liberalisation, while accounting for significant changes in structure due to the lifting of credit restrictions and the subsequent impressive boom of consumer...
Persistent link: https://www.econbiz.de/10010568852