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Subprime consumer credit demand : evidence from a lender's pricing experiment
Alan, Sule; Dumitrescu, Ruxandra; Lóránth, Gyöngyi - 2011
We test the interest rate sensitivity of subprime credit card borrowers using a unique panel data set from a UK credit card company. We were given details of a randomized interest rate experiment conducted by the lender between October 2006 and January 2007. Access to such information is rare....
Persistent link: https://www.econbiz.de/10008900901
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Subprime consumer credit demand : evidence from a lender's pricing experiment
Alan, Sule; Dumitrescu, Ruxandra; Lóránth, Gyöngyi - 2011
elasticity of credit card debt with respect to interest rates even though the experimental estimate of the same elasticity is …
Persistent link: https://www.econbiz.de/10008902391
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Subprime consumer credit demand : evidence from a lender's pricing experiment ; Conference on Household Finance and Consumption, Luxembourg 25-26 October 2010
Alan, Sule; Dumitrescu, Ruxandra; Lóránth, Gyöngyi - 2011
Persistent link: https://www.econbiz.de/10009576158
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The consumer-driven economy at a crossroads
Yerex, Robert P. - In: Business economics : the journal of the National … 46 (2011) 1, pp. 32-42
Persistent link: https://www.econbiz.de/10009240015
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Credit counseling : a substitute for consumer financial literacy?
Disney, Richard; Gathergood, John; Weber, Jörg - In: Journal of pension economics and finance 14 (2015) 4, pp. 466-491
Persistent link: https://www.econbiz.de/10011419707
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence … a collateral constraint. Over a specific range of debt levels this liquidity feedback effect is strong enough to give … entertainable belief-weightings of multiple future prices. This delivers debt-level-dependent bounds on the extent to which …
Persistent link: https://www.econbiz.de/10011430780
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Household debt : facts, puzzles, theories, and policies
Zinman, Jonathan - In: Annual review of economics 7 (2015), pp. 251-276
Persistent link: https://www.econbiz.de/10011380710
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How important is variability in consumer credit limits?
Fulford, Scott L. - In: Journal of monetary economics 72 (2015), pp. 42-63
Persistent link: https://www.econbiz.de/10011381672
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015 - This version: October 1, 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence … a collateral constraint. Over a specific range of debt levels this liquidity feedback effect is strong enough to give … entertainable belief-weightings of multiple future prices. This delivers debt-level-dependent bounds on the extent to which …
Persistent link: https://www.econbiz.de/10011346295
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Household debt and crises of confidence
Hintermaier, Thomas; Koeniger, Winfried - 2015
We show that the size of collateralized household debt determines an economy's vulnerability to crises of confidence … a collateral constraint. Over a specific range of debt levels this liquidity feedback effect is strong enough to give … entertainable belief-weightings of multiple future prices. This delivers debt-level-dependent bounds on the extent to which …
Persistent link: https://www.econbiz.de/10011347156