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Credit and British consumers: some micro evidence

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Author Info
Davies, A J
Weber, G

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Abstract

In this paper we use micro-data as a basis for measuring liquidity constraints over the time period 1972-86. We then employ our results to (i) investigate the Life Cycle/Permanent Income Hypothesis and (ii) examine the theory that the consumer boom of the 1980s can be explained in terms of the financial liberalisation which took place at the start of the decade.

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Publisher Info
Article provided by Institute for Fiscal Studies in its journal Fiscal Studies.

Volume (Year): 12 (1991)
Issue (Month): 2 (May)
Pages: 61-84
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Handle: RePEc:ifs:fistud:v:12:y:1991:i:2:p:61-84

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  1. J. Manrique & K. Ojah, 2004. "Credits and non-interest rate determinants of loan demand: a Spanish case study," Applied Economics, Taylor and Francis Journals, vol. 36(8), pages 781-791, May. [Downloadable!] (restricted)
  2. Ana del Río & Garry Young, 2006. "The determinants of unsecured borrowing: evidence from the BHPS," Applied Financial Economics, Taylor and Francis Journals, vol. 16(15), pages 1119-1144, October. [Downloadable!] (restricted)
  3. Ana Del-Rí­o & Garry Young, . "The determinants of unsecured borrowing: evidence from the British Household Panel Survey," Bank of England working papers 263, Bank of England. [Downloadable!]
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