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Do macroprudential measures increase inequality? : evidence from the euro area household survey

Georgescu, Oana-Maria; Vila Martin, Diego - 2021

Borrower-based macroprudential (MP) policies - such as caps on loan-to-value (LTV) ratios and debt-service-to-income (DSTI) limits - contain the build-up of systemic risk by reducing the probability and conditional impact of a crisis. While LTV/DSTI limits can increase inequality at...

Persistent link: https://www.econbiz.de/10012547560

How Does Debt Relief Impact Consumption? : Evidence from a Policy Experiment

Tantri, Prasanna L. - 2017

We investigate the impact of a large scale debt waiver program for small agricultural borrowers in India on the short term and long term consumption levels of the beneficiaries. We obtain consumption data from three national level surveys conducted before and after the waiver by a federal...

Persistent link: https://www.econbiz.de/10012972024

Financial Inclusion, Gender Dimension, and Economic Impact on Poor Households

Swamy, Vighneswara - 2014

We examine the question: “In the context of gender dimension what is the evidence of the impact of the financial inclusion programs on poor households represented by women relative to that represented by men?” By constructing a good counterfactual and comparison group, we employ the...

Persistent link: https://www.econbiz.de/10013053196

The Effect of Liquidity Regulation on U.S. Bank Risk-Taking : Evidence from Non-Performing Loans and CDS Spreads

Bosshardt, Joshua - 2020

This paper illustrates channels by which regulations that require banks to hold liquid assets can either increase or decrease a bank's incentive to take risk with its remaining ineligible assets. A greater capacity to respond to liquidity stress increases the potential profits a bank would put...

Persistent link: https://www.econbiz.de/10012839958

Macroprudential policy measures : macroeconomic impact and interaction with monetary policy

Cozzi, Guido; Darracq Pariès, Matthieu; Karadi, Peter; … - 2020

This paper examines the interactions of macroprudential and monetary policies. We find, using a range of macroeconomic models used at the European Central Bank, that in the long run, a 1% bank capital requirement increase has a small impact on GDP. In the short run, GDP declines by 0.15-0.35%....

Persistent link: https://www.econbiz.de/10012165315

Has the COVID-19 pandemic affected public trust? Evidence for the US and the Netherlands

van der Cruijsen, Carin; de Haan, Jakob; Jonker, Nicole - 2021

Using two large-scale surveys among households, we examine the drivers of trust in banks, insurance companies, BigTechs, and other people in the United States and the Netherlands, and analyse whether the COVID-19 pandemic has affected public trust. Our results suggest that the COVID-19 pandemic...

Persistent link: https://www.econbiz.de/10013214660

Global Financial Crisis and Mortgage Finance and Valuation Problems : An Assessment of the U.S. and Turkish Mortgage Systems

Coskun, Yener - 2011

After emerging from the U.S. real estate and financial markets, financial crisis has gradually become global. Due to both primary and secondary mortgage market problems in the U.S. are accepted as the essential reasons of the current crisis, it is believed that financial markets and real estate...

Persistent link: https://www.econbiz.de/10013117652

Monetary policy, housing, and collateral constraints

Franz, Thorsten - 2019

House-purchasing decisions and the possibility of existing homeowners to tap into their housing equity depend decisively on prevailing loan-to-value (LTV) ratios in mortgage markets with borrowing constrained households. Utilizing a smooth transition local projection (STLP) approach, I show that...

Persistent link: https://www.econbiz.de/10011963152

Eine erste Bewertung makroprudenzieller Instrumente in der Immobilienfinanzierung

Bendel, Daniel; Demary, Markus; Voigtländer, Michael - 2016

Der Ausschuss für Finanzstabilität hat die Einführung makroprudenzieller Instrumente für die Immobilienfinanzierung … die Einführung dieser Instrumente. Anders als in vielen anderen Ländern folgt die Finanzierung in Deutschland aber eher … Instrumenten für Banken. Für Deutschland zeigen sich keine makroprudenziellen Risiken. Die Verschuldung der Haushalte ist seit dem …

Persistent link: https://www.econbiz.de/10011480682

Saving constraints, inequality, and the credit market response to fiscal stimulus

Miranda-Pinto, Jorge; Murphy, Daniel P.; Walsh, Kieran; … - In: European economic review : EER 151 (2023), pp. 1-20

Persistent link: https://www.econbiz.de/10014235220

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