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Evolution of Household Finances
2021Both the supply and demand for household credit associated with the housing crisis reflect cognitive biases, such as the recency bias, that drives borrower and lender expectations. Well-intended, but poorly proscribed, financial deregulation offered a field of experimentation that reinforced the housing crisis.
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On Finance of Private Households
Financial lawThe article is devoted to identifying the features of household finances from a legal position. The relevance of the issues of the concept, the essence of household finance is determined, on the one hand, by the lack of scientific knowledge of the legal regulation of this economic category, on the other hand, by the awareness of the importance of ...
Nuria A. Sattarova, Natalya N. Boyko
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2021
In the first chapter, I exploit the rebranding of a mortgage lender, under a more salient name and in some Italian provinces, to empirically analyze households’ choice behaviour in response to brand popularity. Loan-level data on both the universe of newly originated mortgages and the offer rates suggest that (1) brand awareness reduces the equilibrium
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In the first chapter, I exploit the rebranding of a mortgage lender, under a more salient name and in some Italian provinces, to empirically analyze households’ choice behaviour in response to brand popularity. Loan-level data on both the universe of newly originated mortgages and the offer rates suggest that (1) brand awareness reduces the equilibrium
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Digital Finance, Household Income and Household Risky Financial Asset Investment
Procedia Computer Science, 2022Wenxiu Hu
exaly
With global finance reshaping the world economy, this insightful new book provides a full account of the EU’s financial integration strategy, together with a critical assessment arguing the case for social control over global finance. Written by acknowledged experts in European finance, this book discusses key issues from finance to general social ...
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The impact of digital finance on household consumption: Evidence from China
Economic Modelling, 2020Jing Jian Xiao
exaly
2012
This dissertation consists of three essays. The first chapter studies whether credit demand is sensitive to interest rates, to the prominence of interest rate disclosure, and to nudges. Consumer credit regulations usually require that lenders disclose interest rates.
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This dissertation consists of three essays. The first chapter studies whether credit demand is sensitive to interest rates, to the prominence of interest rate disclosure, and to nudges. Consumer credit regulations usually require that lenders disclose interest rates.
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Consumer finance/household finance: the definition and scope
China Finance Review International, 2020Jing Jian Xiao
exaly