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Stress testing household debt
Bhutta, Neil; Bricker, Jesse; Dettling, Lisa J.; … - In: The journal of credit risk : published quarterly by … 16 (2020) 3, pp. 1-34
Persistent link: https://www.econbiz.de/10012421176
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Unsustainable household debt : problems of measurement
Gibbons, Damon - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 101-113
between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic … growth. However, accurately measuring the household debt burden remains problematic. Aggregate measures of household … indebtedness (e.?g. household liabilities relative to income) fail to fully capture the debt servicing burdens of households …
Persistent link: https://www.econbiz.de/10012507225
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Did consumers want less debt? : consumer credit demand versus supply in the wake of the 2008 - 2009 financial crisis
Gropp, Reint; Krainer, John; Laderman, Elizabeth Stromberg - 2014
We explore the sources of household balance sheet adjustment following the collapse of the housing market in 2006 …
Persistent link: https://www.econbiz.de/10010252065
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The microdynamics of household credit use through a boom-bust cycle
Andersson, Fredrik; Mayock, Tom - In: Journal of housing economics 27 (2015), pp. 22-36
Persistent link: https://www.econbiz.de/10011565794
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Credit boom in Russia despite global woes : driving forces and risks
Barisitz, Stephan - In: Financial stability report 26 (2013), pp. 82-99
Persistent link: https://www.econbiz.de/10010356046
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Are Lenders Using Risk-Based Pricing in the Consumer Loan Market? The Effects of the 2008 Crisis
Magri, Silvia - 2018
financial stability. The evidence available from data collected since 2006 through the Survey on Household Income and Wealth … financial conditions (net wealth, number of income earners and education of the household head) became significant and …
Persistent link: https://www.econbiz.de/10012926952
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Household over-indebtedness and financial vulnerability in Korea : evidence from credit bureau data
Kim, Young Il; Kim, Hyoung Chan; Yoo, Joo Hee - In: Han gug gae bal yeon gu 38 (2016) 3, pp. 53-77
Persistent link: https://www.econbiz.de/10011554113
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Overconsumption, credit rationing and bailout monetary policy : a Minskyan perspective
Charpe, Matthieu; Flaschel, Peter; Proaño Acosta, Christian - 2009
We consider a Keynes-Goodwin model of effective demand and the distributive cycle where workers purchase goods and houses with marginal propensity significantly larger than one. They therefore need credit, supplied from asset holders, and have to pay interest on their outstanding debt. In this...
Persistent link: https://www.econbiz.de/10003861624
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Strategic Default on First and Second Lien Mortgages During the Financial Crisis
Jagtiani, Julapa - 2019
Strategic default behavior suggests that the default process is not only a matter of inability to pay. Economic costs and benefits affect the incidence and timing of defaults. As with prior research, the authors find that people default strategically as their home value falls below the mortgage...
Persistent link: https://www.econbiz.de/10012905985
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A tale of two bailouts : effects of TARP and PPP on subprime consumer debt
Berger, Allen N.; Epouhe, Onesime; Roman, Raluca A. - 2021
Persistent link: https://www.econbiz.de/10012651424