In this paper we analyze the influence that incentives play in the timing of the transition to retirement in Spain. We use the Continuous Sample of Working Histories 2006 (CSWH 'Muestra Continua de Vidas Laborales', in Spanish) to construct incentive measures from the Social Security provisions...

En este trabajo mostramos que el tiempo de originación de un préstamo es crucial para entender la política crediticia, los ciclos y los impagos de los préstamos bancarios. Con ese fin, empleamos el registro de crédito del Banco de España (CIRBE), que contiene la fecha exacta de la...

Artículo de revista ; This article analyses the impact of Recommendation ECB/2020/19 (to credit institutions to refrain from making dividend distributions and performing share buy-backs aimed at remunerating shareholders) on lending by Spanish banks between January and September 2020....

In this paper we use the Continuous Sample of Working Histories 2005 (MCVL2005) to analyze the earnings assimilation of migrants from outside the EU-15 in Spain. Using our panel dataset we show that immigrants reduce around the half of the initial wage gap respect to natives the first 5 to 6...

In this paper we analyse the role that Social Security wealth and incentives play in the transition to retirement in Spain. We use the labour records and other relevant information contained in a newly released database [Muestra Continua de Vidas Laborales (2006)] to construct incentive measures...

This article presents a detailed analysis of the loan moratoria. The first part of the article describes the characteristics of the five types of moratoria and how the numbers of applications made and moratoria granted have evolved to date. It then outlines the status of the existing moratoria...

En este estudio identificamos diferencias en las condiciones de las hipotecas asociadas al arraigo de los prestatarios tras separar este efecto de otros factores que explican dichas condiciones. Para esto usamos datos de préstamos hipotecarios en España de la Central de Información de...

Artículo de revista ; The COVID-19 pandemic has had a major impact on the recent performance of the Spanish commercial real estate market. In particular, the crisis has led to a sharp decrease in non-residential investment and has triggered a correction in sale prices, transaction numbers and...