attitudes toward credit may influence individuals' debt financing decisions. This paper investigates the importance of these … factors by analysing the results of an original survey about the recourse to consumer credit, conducted on a wide sample of … recourse to consumer credit? Are there any differences in psychological profiles of credit users and non-users that can be …

household debt more robustly than is the quality of credit registers …In most countries household debt increased from the 1990s until the crisis of 2007-2008 before stabilizing due to … recession and deleveraging. However, there are national differences in household debt/GDP ratios. This paper studies the …

We confirm the negative relationship between household debt and future GDP growth documented in Mian, Sufi, and Verner … relationship. First, debt overhang impairs household consumption when negative shocks hit. Second, increases in household debt … heighten the probability of future banking crises, which significantly disrupts financial intermediation. Third, crash risk may …

Historically high household debt in several economies is calling for a deleveraging, but according to some economists …, this paper finds evidence of a negative relationship between changes of household debt-to-income ratios and saving rates … significantly related in some economies, but the relationship is driven by consumer credit, not by mortgages. Results therefore …

studies conducted in eleven countries to explore liquidity risk transmission. Among the main results is, first, that … explanatory power of the empirical model is higher for domestic lending than for international lending. Second, how liquidity risk … management across global banks can be important for liquidity risk transmission into lending. Fourth, there is substantial …