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Mortgages and Financial Expectations: A Household Level Analysis
Taylor, Karl; Brown, Sarah; Garino, Gaia - Department of Economics, Leicester University - 2005
We contribute to the literature on household mortgage debt by exploring one particular influence on mortgage debt at … predicts a positive association between the quantity of mortgage debt and optimistic financial expectations. Our empirical … expectations are positively associated with the level of outstanding mortgage debt. …
Persistent link: https://www.econbiz.de/10005385077
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Household Debt and Financial Assets: Evidence from Great Britain, Germany and the United States
Taylor, Karl; Brown, Sarah - Department of Economics, Leicester University - 2005
We explore the determinants of debt and financial asset accumulation at the household level using survey data for Great … Britain, Germany and the United States (US). Given that debt and assets are both components of a household’s financial … debt and asset holding. Furthermore, the nature of this inter-dependence varies across income ranges and age groups with …
Persistent link: https://www.econbiz.de/10005422713
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Household Finances and Attitudes towards Risk
Brown, Sarah; Taylor, Karl; Garino, Gaia - Department of Economics, University of Sheffield - 2008
Persistent link: https://www.econbiz.de/10005593079
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Mortgages and Financial Expectations: A Household-Level Analysis
Brown, Sarah; Garino, Gaia; Taylor, Karl - In: Southern Economic Journal 74 (2008) 3, pp. 857-878
We contribute to the literature on household mortgage debt by exploring one particular influence on mortgage debt at … predicts a positive association between the quantity of mortgage debt and optimistic financial expectations. Our empirical … expectations are positively associated with the level of outstanding mortgage debt. …
Persistent link: https://www.econbiz.de/10005562065
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Debt and Financial Expectations: An Individual- and Household-Level Analysis
Brown, Sarah; Garino, Gaia; Taylor, Karl; Price, … - In: Economic Inquiry 43 (2005) 1, pp. 100-120
In this article we show that optimistic financial expectations impact positively on both the quantity of debt and the … growth in debt at the individual and household levels. Our theoretical model shows that this association is predicted under a … variety of plausible scenarios. In the empirical analysis we explore the determinants of debt and of growth in debt using …
Persistent link: https://www.econbiz.de/10005568044
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Financial Expectations, Consumption and Saving: A Microeconomic Analysis.
Brown, Sarah; Taylor, Karl; McNabb, Robert - Department of Economics, University of Sheffield - 2006
We explore the determinants of individuals´ financial expectations using data from the British Household Panel Survey (BHPS) 1991-2001. Our findings suggest that individuals´ financial predictions are influenced by both the life cycle and the business cycle. We also investigate the extent to...
Persistent link: https://www.econbiz.de/10005593073
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Self-regulation and the Certification of the European Information Economy The Case of e-Healthcare Information Provision
Alexander, Marcus; Harding, Matthew C. - Department of Economics, Oxford University - 2003
The trend towards Internet self-regulation is driven both by governments that feel reluctant to invest in direct regulation (because of freedom of speech concerns or high costs of monitoring and enforcement) and by the industry that is under the threat of rising public concerns over content...
Persistent link: https://www.econbiz.de/10005047747
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Household Debt: Facts, Puzzles, Theories, and Policies
Zinman, Jonathan - National Bureau of Economic Research (NBER) - 2014
macroeconomics and industrial organization. I review theoretical and empirical work on household debt: its prevalence, level, growth …
Persistent link: https://www.econbiz.de/10010951247
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Universalizing Complete Access to Finance : Key Conceptual Issues
Rai, Suyash; Ananth, Bindu; Mor, Nachiket - East Asian Bureau of Economic Research (EABER) - 2010
In this paper, we present two stylized models of the financial system. We make the case that in order to realize the potential of a well-functioning complete financial market, financial system designers and financial service providers will need to think about ways to deliver financial...
Persistent link: https://www.econbiz.de/10011278007
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Universalizing Complete Access to Finance : Key Conceptual Issues
Rai, Suyash; Ananth, Bindu; Mor, Nachiket - East Asian Bureau of Economic Research (EABER) - 2010
In this paper, we present two stylized models of the financial system. We make the case that in order to realize the potential of a well-functioning complete financial market, financial system designers and financial service providers will need to think about ways to deliver financial...
Persistent link: https://www.econbiz.de/10011278028