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Unsustainable household debt : problems of measurement
Gibbons, Damon - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 101-113
In the wake of the Global Financial Crisis, a significant research effort has been made to better understand the links between household debt levels, financial stability risks, and the ongoing implications of the ‘debt overhang’ for economic growth. However, accurately measuring the...
Persistent link: https://www.econbiz.de/10012507225
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Inefficient Regulation : Mortgages versus Total Credit
Karapetyan, Artashes; Kvaerner, Jens; Rohrer, Maximilian - 2021
We study the impact of loan-to-value regulation on supply and demand for unregulated debt that is used for home … acquisition. In our setting, part of the dwelling price is in the form of pre-existing debt exempt from the regulation. Variations … in the latter prior to the LTV regulation generated exogenous variation in the regulatory requirements across buildings …
Persistent link: https://www.econbiz.de/10013225436
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Private overborrowing under sovereign risk
Arce, Fernando - 2022
This paper proposes a quantitative theory of the interaction between private and public debt in an open economy …
Persistent link: https://www.econbiz.de/10013194400
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Redtape, Greenleaf : Creditor Behavior Under Costly Collateral Enforcement
Ahsin, Taha - 2021
This paper studies how creditors behave under costly collateral enforcement. I exploit quasi-experimental variation in foreclosure costs generated from Maine's 2014 Greenleaf judgement. I estimate that that the foreclosure rate dropped by over 23%. Furthermore, I find that borrowers did not...
Persistent link: https://www.econbiz.de/10013211710
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Intertemporal diversification of sub-sovereign debt
Knezevic, David - In: Empirical economics : a journal of the Institute for … 58 (2020) 2, pp. 453-487
Persistent link: https://www.econbiz.de/10012219025
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Secured and unsecured debt in creditor-friendly bankruptcy
François, Pascal; Naqvi, Hassan - In: The journal of corporate finance : contracting, … 80 (2023), pp. 1-18
Persistent link: https://www.econbiz.de/10014365661
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Banking reform
Jackson, Patricia; Davies, Howard; Miles, David; … - SUERF Conference on Banking Reform <2015, London>; … - 2016
regulation, recovery and resolution, and risk culture. …
Persistent link: https://www.econbiz.de/10011554963
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The effect of self-control on borrowing : experimental evidence
Grohmann, Antonia; Hamdan, Jana S. - 2020
This paper examines the effect of reduced self-control on debt-taking in a laboratory experiment. We manipulate self-control using an ego depletion task and show that it is effective. Following the ego depletion task, participants can anonymously buy hot drinks on credit. We find no significant...
Persistent link: https://www.econbiz.de/10012500130
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Effects of easing LTV·DTI regulations on the debt structure and credit risk of borrowers
Kim, Meeroo; Oh, Yoon Hae - In: KDI-journal of economic policy 43 (2021) 3, pp. 1-32
With CB data in South Korea, this study examines whether the credit risk of borrowers changes when the regulation on …
Persistent link: https://www.econbiz.de/10012643434
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Systemic usury and the European consumer credit directive
Neuberger, Doris; Reifner, Udo - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 115-132
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the term usury conjures images of a greedy individual consciously acting to exploit the weak bargaining position of another by deceitful and even fraudulent means, we consider it as...
Persistent link: https://www.econbiz.de/10012507235