The author constructs a formal analytic framework to simulate the impact of various economic shocks on the household debt-service ratio, using data from the Canadian Financial Monitor (CFM) survey. The impact of these shocks on individual households depends on the socio-economic characteristics...

Since 1 June 2003 the file of the Central Office for Credits to Private Individuals has recorded information relating to all consumer credits and mortgage loans contracted by natural persons for private purposes, as well as any payment defaults resulting from these loans. This registration aims...

The author constructs a formal analytic framework to simulate the impact of various economic shocks on the household debt-service ratio, using data from the Canadian Financial Monitor (CFM) survey. The impact of these shocks on individual households depends on the socio-economic characteristics...

This paper studies the impact of financial inclusion on wealth accumulation. Exploiting the US interstate branching deregulation between 1994 and 2005, we find that an exogenous expansion of bank branches increases low-income household financial inclusion. We then show that financial inclusion...

English Abstract: Recent pandemic, there have been numerous impact on our behavior. The paper has two conceptual lines, one descriptive information about pandemic data, and the second or main line is a about our saving interests.French Abstract: La récente pandémie a de nombreux impacts sur...

French Abstract: Cet article se propose d'étudier la participation des ménages au marché financier ainsi que les incidences du cycle de vie et de l'environnement économique sur les choix de portefeuille au sein de la zone euro. L'analyse empirique s'appuie sur les données de l'enquête sur...

The author constructs a formal analytic framework to simulate the impact of various economic shocks on the household debt-service ratio, using data from the Canadian Financial Monitor (CFM) survey. The impact of these shocks on individual households depends on the socio-economic characteristics...