We study an Agent-based model of household-bank relationships where households borrow for the purpose of consumption …

We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity … constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new … harmonized data set collecting detailed information on wealth holdings, consumption and income at the household level. Since the …

and household welfare. We estimate Euler equations and measure the volatility of unpredictable changes in consumption as …, and document that despite the increase in household debt between 1983 and 2007, there was no decline in the proportion of …

paper estimates credit constraints and shows how these differ with household characteristics. It finds that around 31% of …

household credit is related to foreign bank ownership. In countries with higher foreign bank presence we find a stronger … relation between household income, education and employment status and the use of credit cards and mortgages. Our findings are …