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Forward looking behavior and empirical household consumption function
Jang, Insong - 2001
behavior involves such variables as human wealth and income uncertainty which are not directly observable. This paper exploits …
Persistent link: https://www.econbiz.de/10011539196
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Debt portfolios
Hintermaier, Thomas; Koeniger, Winfried - 2009
portfolios. Secondly, durables do not improve consumers' access to unsecured credit, and plausible variations of durable …
Persistent link: https://www.econbiz.de/10003850601
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Debt portfolios
Hintermaier, Thomas; Koeniger, Winfried - 2011
We provide a model with endogenous portfolios of secured and unsecured household debt. Secured debt is collateralized by owner-occupied housing whereas unsecured debt can be discharged according to bankruptcy regulations. We show that the calibrated model matches important quantitative...
Persistent link: https://www.econbiz.de/10009244090
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Why use debit instead of credit? : consumer choice in a trillion-dollar market
Zinman, Jonathan (contributor) - 2004 - [Elektronische Ressource]
Debit cards are overtaking credit cards as the most prevalent form of electronic payment at the point of sale, yet the … determinants of a ubiquitous consumer choice - "debit or credit?" - have received relatively little scrutiny. Several stylized …. Principally, the 50 percent of debit-card users who revolve credit-card balances would pay interest to charge purchases on the …
Persistent link: https://www.econbiz.de/10002521756
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Macroeconomic Determinants of Loan Delinquencies : Evidence from the US Peer-to-Peer Lending Market
Nigmonov, Asror; Shams, Syed; Alam, Khorshed - 2021
macroeconomic factors that influence credit risk in the peer-to-peer (P2P) lending market. By aggregating the United States (US …
Persistent link: https://www.econbiz.de/10013230437
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Bank loan announcements and borrower stock returns before and during the recent financial crisis
Li, Chunshuo; Ongena, Steven - 2014 - This Draft: March, 2014
jump back up to around 200 basis points. We surmise that in a booming credit market the certification of corporate …
Persistent link: https://www.econbiz.de/10010412303
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The power of social pensions
Huang, Wei; Zhang, Chuanchuan - 2016
This paper examines the impacts of social pension provision among people of different ages. Utilizing the county-by-county rollout of the New Rural Pension Scheme in rural China, we find that, among the age-eligible people, the scheme provision leads to higher household income (18 percent) and...
Persistent link: https://www.econbiz.de/10011595168
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Market Inefficiency, Insurance Mandate and Welfare : U.S. Health Care Reform 2010
Jung, Juergen; Tran, Chung - 2014
We quantify the effects of the Affordable Care Act (ACA) using a stochastic general equilibrium overlapping generations model with endogenous health capital accumulation calibrated to match U.S. data on health spending and insurance take-up rates. We find that the introduction of an insurance...
Persistent link: https://www.econbiz.de/10014043986
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What Makes People Anxious about Life after the Age of 65? Evidence from International Survey Research in Japan, the United States, China, and India
Kadoya, Yoshihiko - 2015
This study investigated the causes of people's anxieties about life after the age of 65 years, using household data from countries with different social contexts: Japan, the United States, China, and India. This research added contextual aspects to the literature on social security and...
Persistent link: https://www.econbiz.de/10014168547
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Market Inefficiency, Insurance Mandate and Welfare : U.S. Health Care Reform 2010
Jung, Juergen - 2014
We quantify the effects of the Affordable Care Act (ACA) using a stochastic general equilibrium overlapping generations model with endogenous health capital accumulation calibrated to match U.S. data on health spending and insurance take-up rates. We find that the introduction of an insurance...
Persistent link: https://www.econbiz.de/10013068994