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  1. Moda, je t’aime, el look de día más chic
    Untersuchungen zum fremdsprachlichen Einfluss in der Modesprache Spaniens
    Author: Klimpel, Linda
    Published: 2020
    Publisher:  Cuvillier Verlag, Göttingen

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    Source: Union catalogues
    Language: German
    Media type: Dissertation
    Format: Print
    ISBN: 9783736973138; 3736973136
    Other identifier:
    9783736973138
    RVK Categories: IM 7390 ; IM 2700
    Edition: 1. Auflage
    Subjects: Englisch; Französisch; Lehnwort; Spanisch; Modesprache;
    Other subjects: language contact; Schriftlichkeit; Pseudoanglizismen; Bedeutungsveränderungen; leaning information; Kognitive Semantik; Fachtext; fashionable language; communication conditions; Wortbildung; Spanisch; Suffigierung; loanword; borrowing; specialised language; Lehnwort; composition; professional text; Modesprache; Korpusanalyse
    Scope: 326 Seiten, Diagramme, 21 cm
    Notes:

    Dissertation, Universität zu Köln, 2019
  2. Household debt and aging in Japan
    Author: Horioka, Charles; Niimi, Yoko
    Published: November 2019
    Publisher:  The Institute of Social and Economic Research, Osaka University, Osaka, Japan

    In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a... more

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    In this paper, we analyze the borrowing behavior of Japanese households in comparison to the other Group of Seven (G7) countries and also broken down by the age group of the household head. We find that pre-retirement households (households with a head in the 50-59 age group) in Japan do not have inordinate amounts of debt and that their financial health is satisfactory. However, we also find that households with a head in the 30-39 age group have shown a sharp increase in debt holdings in recent years, due partly to the fact that tax breaks for housing purchase, reforms in the housing loan market since the early 2000s, and expansionary monetary policy enabled Japanese households to purchase housing at a younger age than they could previously. We therefore need to monitor the borrowing behavior of this cohort over time as the Bank of Japan normalizes its monetary policy, especially since households have become more vulnerable to rising interest rates as the share of households who have chosen variablerate housing loans has increased in recent years.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/230474
    Series: Discussion paper / The Institute of Social and Economic Research ; no. 1068
    Subjects: aging; borrowing; debt; homeownership; households; housing; Japan; liabilities; loans; mortgages; retirement
    Scope: 1 Online-Ressource (circa 22 Seiten), Illustrationen
  3. ADHD, financial distress, and suicide in adulthood
    a population study
    Author: Beauchaine, Theodore P.; Ben-David, Itzhak; Bos, Marieke
    Published: [2020]
    Publisher:  The Ohio State University, Fisher College of Business, Charles A. Dice Center for Research in Financial Economics, [Columbus, Ohio]

    Attention-deficit/hyperactivity disorder (ADHD) exerts lifelong impairment, including difficulty sustaining employment, poor credit, and suicide risk. To date, however, studies have assessed selected samples, often via self-report. Using mental... more

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    Attention-deficit/hyperactivity disorder (ADHD) exerts lifelong impairment, including difficulty sustaining employment, poor credit, and suicide risk. To date, however, studies have assessed selected samples, often via self-report. Using mental health data from the entire Swedish population (N = 11.55 million) and a random sample of credit data (N = 189,267), we provide the first study of objective financial outcomes among adults with ADHD, including associations with suicide. Controlling for psychiatric comorbidities, substance use, education, and income, those with ADHD start adulthood with normal credit demand and default rates. However, in middle age, their default rates grow exponentially, yielding poor credit scores and diminished credit access despite high demand. Sympathomimetic prescriptions are unassociated with improved financial behaviors. Last, financial distress is associated with fourfold higher risk of suicide among those with ADHD. For men but not women with ADHD who suicide, outstanding debt increases in the 3 years prior. No such pattern exists for others who suicide

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
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    Series: Working papers series / Charles A. Dice Center for Research in Financial Economics ; WP 2020, 025
    Fisher College of Business working paper series ; WP 2020-03, 025
    Subjects: ADHD; borrowing; suicide; credit score; financial distress; default; mental disorder; Sweden; population study; medial diagnosis; loans
    Scope: 1 Online-Ressource (circa 10 Seiten), Illustrationen
  4. Temperature, climate change, and household financial behaviour
    evidence from Viet Nam
    Author: Awaworyi Churchill, Sefa; Trinh, Trong-Anh; Danquah, Michael
    Published: July 2023
    Publisher:  United Nations University World Institute for Development Economics Research, Helsinki, Finland

    We examine the impact of temperature shocks and climate change on household financial behaviour in Viet Nam. To do so, we first estimate the effect of temperature on household borrowing and savings using Vietnamese longitudinal data that matches... more

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    We examine the impact of temperature shocks and climate change on household financial behaviour in Viet Nam. To do so, we first estimate the effect of temperature on household borrowing and savings using Vietnamese longitudinal data that matches satellite reanalysis temperature data with household information over the period 2008 to 2016. We find that an additional day with an average temperature of greater than 30°C, relative to the number of days in the 18-22°C range, is associated with a 6.3 per cent decrease in household savings and a 1.4 per cent increase in household borrowing. In the case of household savings, we find that the effects of temperature shocks are more pronounced on informal savings than formal savings. Further, total agricultural production and rice production are mechanisms through which temperature shocks influence household savings and borrowing. Specifically, by reducing the level of agricultural production, (hot) temperature shocks decrease household savings and increase household borrowing. Our estimates suggest that over the next century, under the conventional trajectory in which countervailing measures are not adopted to address climate change, climate change will be responsible for an additional 0.124 standard deviation decrease in household savings and a 0.102 standard deviation increase in household debt.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789292674038
    Other identifier:
    hdl: 10419/283791
    Series: WIDER working paper ; 2023, 95
    Subjects: temperature; weather; climate change; savings; borrowing; Viet Nam
    Scope: 1 Online-Ressource (circa 28 Seiten), Illustrationen
  5. Fiscal states in sub-Saharan Africa
    conceptualization and empirical trends
    Author: Bak, Ane Karoline; Jeppesen, Matilde; Kjær, Anne Mette
    Published: December 2021
    Publisher:  United Nations University World Institute for Development Economics Research, Helsinki, Finland

    This paper contributes to the debate on domestic revenue mobilization and statebuilding in the Global South by asking whether there are fiscal states in sub-Saharan Africa. To answer this question, we review the diverse understandings of the fiscal... more

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    This paper contributes to the debate on domestic revenue mobilization and statebuilding in the Global South by asking whether there are fiscal states in sub-Saharan Africa. To answer this question, we review the diverse understandings of the fiscal state across relevant literatures and explore which preconditions are necessary for the emergence of fiscal states. We define the fiscal state by a balanced relationship between taxation and borrowing as dominant revenue sources, and we distinguish it conceptually from the tax, debt, and rentier states. We analyse and show that the average sub-Saharan African country cannot be categorized as a fiscal state, and that this is to a large extent explained by the absence of economic preconditions. This finding is important because when African states are regarded as fiscal states, assumptions are made about their economic structures; yet, to the extent that these are absent, fiscal policy reforms are unlikely to carry long-term positive effects.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789292671228
    Other identifier:
    hdl: 10419/249488
    Series: WIDER working paper ; 2021, 182
    Subjects: fiscal states; sub-Saharan Africa; taxation; borrowing; debt state; rentier state
    Scope: 1 Online-Ressource (circa 26 Seiten), Illustrationen
  6. Consumer participation in the credit market during the COVID-19 pandemic and beyond
    Author: Charalambakis, Evangelos; Teppa, Federica; Tsiortas, Athanasios
    Published: [2024]
    Publisher:  European Central Bank, Frankfurt am Main, Germany

    This paper analyses the consumer's decision to apply for credit and the probability of the credit being accepted in the euro area during a period characterized by the unprecedented concomitance of events and changing borrowing conditions linked to... more

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    This paper analyses the consumer's decision to apply for credit and the probability of the credit being accepted in the euro area during a period characterized by the unprecedented concomitance of events and changing borrowing conditions linked to the global COVID-19 pandemic and the Russian invasion of Ukraine. We use data between 2020Q1 and 2023Q2 from the ECB's Consumer Expectations Survey. We find that credit demand is highest when the first lockdown ends and it drops when supportive monetary compensation schemes are implemented. There is evidence that constrained households are significantly less likely to apply for credit. Credit is more likely to be accepted under favourable borrowing conditions and after the approval of national recovery plans. We also find that demographic, economic factors, perceptions and expectations are associated with the demand for credit and the credit grant.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789289964029
    Other identifier:
    hdl: 10419/297362
    Series: Working paper series / European Central Bank ; no 2922
    Subjects: Consumer finance; Liquidity constraints; Credit applications; Consumer Expectations Survey; credit policy; consumer; water consumption; coronavirus disease; Russo-Ukrainian issue; euro area; borrowing; money-market liquidity; consumer survey; economic recovery
    Scope: 1 Online-Ressource (circa 38 Seiten), Illustrationen
  7. Quantifying credit gaps using survey data on discouraged borrowers
    Author: Akbas, Ozan E.; Betz, Frank; Gattini, Luca
    Published: November 2023
    Publisher:  European Investment Bank, Luxembourg

    The credit gap in this study is given by the financing needs of firms that are bankable but discouraged from applying for a loan. To quantify the credit gap, we combine a scoring model that assesses the creditworthiness of discouraged firms with a... more

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    The credit gap in this study is given by the financing needs of firms that are bankable but discouraged from applying for a loan. To quantify the credit gap, we combine a scoring model that assesses the creditworthiness of discouraged firms with a credit allocation rule. Our study covers 35 emerging markets and developing economies and uses the 2018-2020 EBRD-EIB-World Bank Enterprise Survey. We show that on average discouraged firms are less creditworthy than successful applicants. Nonetheless, the share of bankable discouraged firms is large, suggesting inefficient credit rationing. The baseline results point to an aggregate credit gap of 8.4% of GDP with significant variation across countries. SMEs account for more than two-thirds of the total, reflecting both their contribution to economic activity and the fact that they are more likely to be credit-constrained.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789286156212
    Other identifier:
    hdl: 10419/280955
    Edition: This Version: 20 September 2023
    Series: Economics - working papers ; 2023, 06
    Subjects: credit rationing; discouraged borrowers; firm-level data; EMDEs; financial solvency; loan; credit policy; financial market; small and medium-sized enterprises; economic activity; borrowing; economic survey
    Scope: 1 Online-Ressource (circa 50 Seiten), Illustrationen
  8. Administrative meets survey data: measuring household indebtedness in Ireland
    Author: Boyd, Laura; McIndoe-Calder, Tara
    Published: [2024]
    Publisher:  [Central Bank of Ireland], Dublin, Ireland

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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Research technical paper / Central Bank of Ireland ; vol. 24, no. 2
    Subjects: household finance; debt; borrowing; balance sheet; economic measurement; surveys; admin data
    Scope: 1 Online-Ressource (circa 44 Seiten), Illustrationen
  9. Consumption and account balances in crises
    have we neglected cognitive load?
    Author: Assenza, Tiziana; Cardaci, Alberto; Chaliasos, Michaēl
    Published: [2023]
    Publisher:  Institute for Monetary and Financial Stability, Goethe University Frankfurt, Frankfurt am Main

    The complexities of geopolitical events, financial and fiscal crises, and the ebb and flow of personal life circumstances can weigh heavily on individuals' minds as they make critical economic decisions. To investigate the impact of cognitive load on... more

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    The complexities of geopolitical events, financial and fiscal crises, and the ebb and flow of personal life circumstances can weigh heavily on individuals' minds as they make critical economic decisions. To investigate the impact of cognitive load on such decisions, we conducted an incentivized online experiment involving a representative sample of 2,000 French households.. The results revealed that exposure to a taxing and persistent cognitive load significantly reduced consumption, particularly for individuals under the threat of furlough, while simultaneously increasing their account balances, particularly for those not facing such employment uncertainty. These effects were not driven by supply constraints or a worsening of credit constraints. Instead, cognitive load primarily affected the optimality of the chosen policy rules and impaired the ability of the standard economic model to accurately predict consumption patterns, although this effect was less pronounced among college-educated subjects.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/281064
    Series: Working paper series / Institute for Monetary and Financial Stability ; no. 197 (2023)
    Subjects: consumption; saving; borrowing; cognitive load; online experiments; RCT; crises; furlough
    Scope: 1 Online-Ressource (circa 56 Seiten), Illustrationen
  10. Consumption and account balances in crises
    have we neglected cognitive load?
    Author: Assenza, Tiziana; Cardaci, Alberto; Chaliasos, Michaēl
    Published: December 2023
    Publisher:  [Toulouse School of Economics], [Toulouse]

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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Working papers / Toulouse School of Economics ; no 1499
    Subjects: consumption; saving; borrowing; cognitive load; online experiments; RCT; crises; furlough
    Scope: 1 Online-Ressource (circa 53 Seiten), Illustrationen
  11. Financial frictions, borrowing costs, and firm size across sectors
    Author: Bento, Pedro; Ranasinghe, Ashantha
    Published: May 2020
    Publisher:  University of Alberta, Faculty of Arts, Department of Economics, Edmonton

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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Series: Working paper / University of Alberta, Faculty of Arts, Department of Economics ; no. 2020, 07
    Subjects: financial development; borrowing; firm size; investment; aggregate
    Scope: 1 Online-Ressource (circa 35 Seiten), Illustrationen
  12. Household debt and aging in Japan
    Author: Horioka, Charles; Niimi, Yoko
    Published: November 14, 2019
    Publisher:  Research Institute for Economics and Business Administration, Kobe University, Kobe, Japan

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    Media type: Book
    Format: Print
    Series: Discussion paper series / Research Institute for Economics and Business Administration, Kobe University ; DP 2019, 23
    Subjects: aging; borrowing; debt; homeownership; households; housing; Japan; liabilities; loans; mortgages; retirement
    Scope: 20 Blätter, Illustrationen
    Notes:

    Erscheint auch als Online-Ausgabe
  13. Beyond the Headline
    How Personal Inflation Exposure Shapes Households’ Financial Choices
    Author: Basten, Christoph; Kukk, Merike; Toczynski, Jan
    Published: 2023
    Publisher:  SSRN, [S.l.]

    Using unique account-level data from a high inflation period in Estonia in 2005-11 and interactive fixed effect estimation, we find individual consumption to depend on personal beyond national headline inflation. Foreign shocks to selected goods’... more

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    Using unique account-level data from a high inflation period in Estonia in 2005-11 and interactive fixed effect estimation, we find individual consumption to depend on personal beyond national headline inflation. Foreign shocks to selected goods’ inflation affect disproportionately households with greater consumption basket weights on these goods and make them increase consumption by an extra 1.3% per percentage point of higher inflation exposure, financed with more net borrowing. Indebted households respond stronger, consistent with a debt depreciation effect. Resulting extra demand for goods with higher inflation can reinforce inflation, letting future inflation depend on its current distribution

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    Series: Swiss Finance Institute Research Paper ; No. 23-15
    Subjects: inflation heterogeneity; personal inflation exposure; consumption; borrowing; interactive fixed effects; intertemporal choices
    Other subjects: Array
    Scope: 1 Online-Ressource (45 p)
    Notes:

    Nach Informationen von SSRN wurde die ursprüngliche Fassung des Dokuments February 24, 2023 erstellt
  14. Moda, je t’aime, el look de día más chic
    Untersuchungen zum fremdsprachlichen Einfluss in der Modesprache Spaniens
    Author: Klimpel, Linda
    Published: 2020
    Publisher:  Cuvillier Verlag, Göttingen

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    Source: Union catalogues
    Language: German
    Media type: Dissertation
    Format: Print
    ISBN: 9783736973138; 3736973136
    Other identifier:
    9783736973138
    Edition: 1. Auflage
    Subjects: Englisch; Französisch; Lehnwort; Spanisch; Modesprache
    Other subjects: (Produktform)Book; language contact; Schriftlichkeit; Pseudoanglizismen; Bedeutungsveränderungen; leaning information; Kognitive Semantik; Fachtext; fashionable language; communication conditions; Wortbildung; Spanisch; Suffigierung; loanword; borrowing; specialised language; Lehnwort; composition; professional text; Modesprache; Korpusanalyse; productivity; word formation; Kategorie; Derivation; Genuszuweisung; Linguistics research; Sprachökonomie; Kurzwörter; Kopulativkomposita; Determinativkomposita; Sprachkontakt; fashion magazines; Modejournal; language economy; general language; Klassifikation; meaning changes; concept; Produktivität; Lexikologie; Fachsprache; metaphor; communication situation; Writing; genus assignment; Kommunikationssituation; cognitive semantics; copulative composites; Modemagazine; group membership; Fachsprachenforschung; Internationalismus; Integration; Wortschatz; loan creation; classification; Französisch; Spanish; Kommunikationsbedingungen; Metapher; Ableitung; Lehnformationen; Entlehnung; corpus analysis; Konzept; Lehnschöpfung; Komposition; short words; Pseudoanglicisms; fashion journal; internationalism; Mode; category; Bedeutungswandel; change of meaning; determinative composites; vocabulary; Gruppenzugehörigkeit; Fashion; french; (VLB-WN)1561: Hardcover, Softcover / Sprachwissenschaft, Literaturwissenschaft/Allgemeine und Vergleichende Sprachwissenschaft
    Scope: 326 Seiten, Diagramme, 21 cm
    Notes:

    Dissertation, Universität zu Köln, 2019
  15. English Loan Words in Kuria Language
    Author: Boke, Joyce
    Published: 2016
    Publisher:  LAP LAMBERT Academic Publishing, Saarbrücken

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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9783659440014; 3659440019
    Other identifier:
    9783659440014
    Edition: 1. Auflage
    Other subjects: (Produktform)Electronic book text; borrowing; language contact; loan words; morphology; Kuria Language; phonetics; phonology; (VLB-WN)1560: Sprachwissenschaft, Literaturwissenschaft
    Scope: Online-Ressource
    Notes:

    Lizenzpflichtig. - Vom Verlag als Druckwerk on demand und/oder als E-Book angeboten
  16. A sociolinguistic investigation of the speech of the older generations
    Author: Belarbi, Khaled
    Published: 2013
    Publisher:  LAP LAMBERT Academic Publishing, Saarbrücken

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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9783659500466; 3659500461
    Other identifier:
    9783659500466
    Edition: 1. Aufl.
    Other subjects: (Produktform)Electronic book text; code switching; language contact; borrowing; code Mixing; bilingualism and diglossia; (VLB-WN)1560: Sprachwissenschaft, Literaturwissenschaft
    Scope: Online-Ressource
    Notes:

    Lizenzpflichtig. - Vom Verlag als Druckwerk on demand und/oder als E-Book angeboten
  17. Regional Morphophonemics
    English Luhya Loan Words
    Author: Mahero, Evelyn
    Published: 2012
    Publisher:  LAP LAMBERT Academic Publishing, Saarbrücken

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    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9783659272295; 3659272299
    Other identifier:
    9783659272295
    Edition: 1. Aufl.
    Other subjects: (Produktform)Electronic book text; Morphophonemics; loan words; borrowing; Luhya; nativization; (VLB-WN)1564: Englische Sprachwissenschaft, Literaturwissenschaft
    Scope: Online-Ressource
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    Lizenzpflichtig. - Vom Verlag als Druckwerk on demand angeboten
  18. Debt-equity conversions and NPL securitization in China
    some initial considerations
    Author: Daniel, James Alexander; Garrido, José María; Moretti, Marina
    Published: August 2016
    Publisher:  International Monetary Fund, Fiscal Affairs Department, Washington, DC, USA

    This note considers the role debt-equity conversions and NPL securitization can play in addressing excessive corporate debt in China, and the corresponding burden on banks of impaired assets. It finds that such techniques can play a role, but getting... more

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    This note considers the role debt-equity conversions and NPL securitization can play in addressing excessive corporate debt in China, and the corresponding burden on banks of impaired assets. It finds that such techniques can play a role, but getting their design right is critical, as is nesting them within a comprehensive, system-wide, plan

     
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  19. A structural model to assess the impact of bank capitalization changes conditional on a bail-in versus bail-out regime
    Author: Groß, Marco; Dubiel-Teleszynski, Tomasz; Población, Javier
    Published: [2018]
    Publisher:  European Central Bank, Frankfurt am Main, Germany

    We develop a structural model for valuing bank balance sheet components such as the equity and debt value, the value for the government when the bank is operated by private shareholders including the present value of a possible future bailout, the... more

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    We develop a structural model for valuing bank balance sheet components such as the equity and debt value, the value for the government when the bank is operated by private shareholders including the present value of a possible future bailout, the bailout value incurred by the government following the abandonment of the private shareholders, and, moreover, some price and risk parameters, including the funding cost spread and the banks'probability of default. The structural model implies an abandonment threshold, at which if total income drops below this threshold, private shareholders abandon the bank. In this case, the shareholders lose part (or all) of the capital that they hold in the bank, the creditors lose part or all of their debt, and the government receives a portion (or all) of the capital and all of the debt that is not recovered by creditors. Hence, we assume that part of the capital can be lost due to financial distress or to cover bankruptcy costs. We use the model framework to assess the impact of capital-based macro-prudential policy measures and focus in particular on assessing the difference that an assumed bail-in as opposed to bail-out regime can make.

     
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789289932868
    Other identifier:
    hdl: 10419/208215
    Series: Working paper series / European Central Bank ; no 2181 (October 2018)
    Subjects: bank; public policy; borrowing; balance sheet; public borrowing; economic policy
    Scope: 1 Online-Ressource (circa 27 Seiten), Illustrationen
  20. Currency matching and carry trade by non-financial corporations
    Author: Kátay, Gábor; Harasztosi, Péter
    Published: [2017]
    Publisher:  Publications Office of the European Union, Luxembourg

    The paper investigates firms' willingness to match the currency composition of their assets and liabilities and their incentives to deviate from perfect matching. Using detailed information at the loan contract level for the Hungarian non-financial... more

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    Helmut-Schmidt-Universität, Universität der Bundeswehr Hamburg, Universitätsbibliothek
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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    The paper investigates firms' willingness to match the currency composition of their assets and liabilities and their incentives to deviate from perfect matching. Using detailed information at the loan contract level for the Hungarian non-financial corporate sector, the paper provides strong evidence to support the theory that currency matching plays a role in exporters' debt currency choices. However, natural hedging is not the primary motivation for firms to choose foreign currency: it explains less than 5 per cent of the overall new corporate foreign currency loans contracted by exporters and less than 2 per cent of the aggregate new foreign currency bank loans. Besides hedging, our results suggest that both carry trade and diversification strategies are relevant factors in firms' currency-of-denomination decisions.

     
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    Volltext (kostenfrei)
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9789279674396
    Other identifier:
    hdl: 10419/202280
    Series: JRC working papers in economics and finance ; 2017, 2
    Subjects: monetary policy; business administration; trade policy; foreign currency; monetary crisis; borrowing; financial market; international finance; borrowing decisions; currency mismatch; carry trade; financial crisis
    Scope: 1 Online-Ressource (circa 40 Seiten), Illustrationen
  21. Default option, risk-aversion and household borrowing behaviour
    Author: Größl, Ingrid; Fritsche, Ulrich
    Published: 2007
    Publisher:  Dep. Economics and Politics, Univ., Hamburg

    Assuming a risk-neutral bank and assuming household utility to be exponential, we show how under information symmetry the covariance of income and loan repayments may explain higher household borrowings than in the case without default option. Under... more

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    Assuming a risk-neutral bank and assuming household utility to be exponential, we show how under information symmetry the covariance of income and loan repayments may explain higher household borrowings than in the case without default option. Under ex post information asymmetry and positive control costs, the result is less clear-cut. We also make evident that in a situation in which a household without default option would neither borrow nor save, the existence of a default option makes household borrowing behaviour unpredictable.

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/103171
    Series: DEP discussion papers ; 5/2007
    Subjects: Consumption; exponential utility; certainty equivalent; households; default option; borrowing; risk; risk aversion; risk management
    Scope: Online-Ressource (I, 20 S.)
  22. Roots of financial literacy
    conference paper
    Author: Grohmann, Antonia; Kouwenberg, Roy; Menkhoff, Lukas
    Published: 2014
    Publisher:  ZBW, [Kiel

    Our study aims to uncover the roots of financial literacy. Better financial literacy predicts more informed savings and borrowing decisions in our sample, covering the urban middle-class in an emerging economy. We then test education at school,... more

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    Our study aims to uncover the roots of financial literacy. Better financial literacy predicts more informed savings and borrowing decisions in our sample, covering the urban middle-class in an emerging economy. We then test education at school, family background, parental teaching, and childhood experiences with money as potential determinants of financial literacy. In addition to risk tolerance and having basic numeracy skills, we find that family variables matter most, in particular better education of the mother and encouragement to save by parents. Our findings suggest that regular formal education may play only a limited role in shaping financial literacy

     
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    Source: Union catalogues
    Language: English
    Media type: Book
    Format: Online
    Other identifier:
    hdl: 10419/100550
    Series: Array ; V3
    Subjects: financial literacy; saving; borrowing; instruments; family background; education
    Scope: Online-Ressource (54 S.), graph. Darst.
  23. Decentralization and infrastructure in developing countries
    reconciling principles and practice
    Author: Bahl, Roy W.; Bird, Richard
    Published: 2013

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    ZBW - Leibniz-Informationszentrum Wirtschaft, Standort Kiel
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    Source: Union catalogues
    Language: English
    Media type: Ebook
    Format: Online
    ISBN: 9780772709202
    Series: IMFG papers on municipal finance and governance ; 2013,16
    Subjects: decentralization; expenditure assignment; infrastructure investment; borrowing; public-private partnerships
    Scope: Online-Ressource (48 S.), graph. Darst.
  24. Debt-equity conversions and NPL securitization in China
    some initial considerations
    Author: Daniel, James Alexander; Garrido, José María; Moretti, Marina
    Published: August 2016
    Publisher:  International Monetary Fund, Fiscal Affairs Department, Washington, DC, USA

    This note considers the role debt-equity conversions and NPL securitization can play in addressing excessive corporate debt in China, and the corresponding burden on banks of impaired assets. It finds that such techniques can play a role, but getting... more

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    This note considers the role debt-equity conversions and NPL securitization can play in addressing excessive corporate debt in China, and the corresponding burden on banks of impaired assets. It finds that such techniques can play a role, but getting their design right is critical, as is nesting them within a comprehensive, system-wide, plan

     
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