Similar Search Results

Household saving behavior and credit constraints in the Euro area

Le Blanc, Julia; Porpiglia, Alessandro; Teppa, Federica; … - Deutsche Bundesbank - 2014

We study the role of household saving behaviour, of individual motives for saving and that of perceived liquidity constraints in 15 Euro Area countries. The empirical analysis is based on the Household Finance and Consumption Survey, a new harmonized data set collecting detailed information on...

Persistent link: https://www.econbiz.de/10010957137

Evaluierung von Finanzmarktreformen : Lehren aus den Politikfeldern Arbeitsmarkt, Gesundheit und Familie

Buch, Claudia M. (ed.); Riphahn, Regina T. (ed.) - Deutsche Akademie der Naturforscher Leopoldina; … - 2019

Persistent link: https://www.econbiz.de/10012003158

The distribution of debt across euro area countries: The role of individual characteristics, institutions and credit conditions

Bover, Olympia; Casado, Jose Maria; Costa, Sonia; Du … - Deutsche Bundesbank - 2014

The aim of this paper is twofold. First, we present an up-to-date assessment of the differences across euro area countries in the distributions of various measures of debt conditional on household characteristics. We consider three different outcomes: the probability of holding debt, the amount...

Persistent link: https://www.econbiz.de/10010957119

The PHF: A comprehensive panel survey on household finances and wealth in Germany

von Kalckreuth, Ulf; Eisele, Martin; Le Blanc, Julia; … - Deutsche Bundesbank - 2012

The Panel on Household Finances (PHF) is a new panel survey on household finances and wealth in Germany conducted by … households in Germany. Wealthy households are oversampled using micro-geographic indicators. The survey is designed to be a full … self-contained and comprehensive survey on household finances in Germany, the PHF is part of the Household Finance and …

Persistent link: https://www.econbiz.de/10010957153

Fiscal sustainability and policy implications for the euro area

Balassone, Fabrizio; Cunha, Jorge Correia da; Langenus, … - Deutsche Bundesbank - 2009

In this paper we examine the sustainability of euro area public finances against the backdrop of population ageing. We critically assess the widely used projections of the Working Group on Ageing Populations (AWG) of the EU's Economic Policy Committee and argue that ageing costs may be higher...

Persistent link: https://www.econbiz.de/10005083154

Optimal savings for retirement: The role of individual accounts and disaster expectations

Le Blanc, Julia; Scholl, Almuth - Deutsche Bundesbank - 2011

We employ a life-cycle model with income risk to analyze how tax-deferred individual accounts affect households' savings for retirement. We consider voluntary accounts as opposed to mandatory accounts with minimum contribution rates. We contrast add-on accounts with carve-out accounts that...

Persistent link: https://www.econbiz.de/10009646496

Saving and learning: Theory and evidence from saving for child's college

Zhu, Junyi - Deutsche Bundesbank - 2012

This paper analyzes the main uncertainty of college saving - the child's ability - in the context of the saving with learning model. The first section develops a dynamic model combining asset accumulation and learning to explain the parents' forward-looking saving behavior when they are...

Persistent link: https://www.econbiz.de/10010957083

Precautionary saving and income uncertainty in Germany - new evidence from microdata

Bartzsch, Nikolaus - Deutsche Bundesbank - 2006

The saving ratio of households in Germany has increased in the past few years when the income trend was weak. This …

Persistent link: https://www.econbiz.de/10005083262

Seasonality in house prices

Kajuth, Florian; Schmidt, Tobias - Deutsche Bundesbank - 2011

The contribution of this paper is to offer a rationale for the observed seasonal pattern in house prices. We first document seasonality in house prices for the US and the UK using formal statistical tests and illustrate its quantitative importance. In the second part of the paper we employ a...

Persistent link: https://www.econbiz.de/10009018202

The effects of privatization and consolidation on bank productivity: comparative evidence from Italy and Germany

Fiorentino, Elisabetta; Vincenzo, Alessio De; Heid, Frank; … - Deutsche Bundesbank - 2009

directions since then: Italy privatized its publicly-owned banks while Germany has maintained a large share of state …

Persistent link: https://www.econbiz.de/10005082778