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 …

the determinants of household debt holding and to investigate whether or not credit constraints are important for … household debt holding. We extend the existing literature in important ways. First, we present comparative evidence for four … countries at the micro level, where we rely on household panel data for two countries; we are thus able to control for …