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The determinants of unsecured borrowing: evidence from the BHPS

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  • Ana del Rio
  • Garry Young

Abstract

The British Household Panel Survey (BHPS) for 1995 and 2000 is used to examine the determinants of participation in the unsecured debt market and the amount borrowed. Age, income, positive financial prospects and housing tenure are found to be significant in probit models for participation. Income is the main variable explaining cross-sectional differences in unsecured debts.

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File URL: http://www.tandfonline.com/doi/abs/10.1080/09603100500438791
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Bibliographic Info

Article provided by Taylor and Francis Journals in its journal Applied Financial Economics.

Volume (Year): 16 (2006)
Issue (Month): 15 ()
Pages: 1119-1144

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Handle: RePEc:taf:apfiec:v:16:y:2006:i:15:p:1119-1144

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  1. Jappelli, Tullio, 1990. "Who Is Credit Constrained in the U.S. Economy?," The Quarterly Journal of Economics, MIT Press, vol. 105(1), pages 219-34, February.
  2. Bayoumi, Tamim A, 1993. "Financial Deregulation and Consumption in the United Kingdom," The Review of Economics and Statistics, MIT Press, vol. 75(3), pages 536-39, August.
  3. Davies, A J & Weber, G, 1991. "Credit and British consumers: some micro evidence," Fiscal Studies, Institute for Fiscal Studies, vol. 12(2), pages 61-84, May.
  4. Heckman, James J, 1979. "Sample Selection Bias as a Specification Error," Econometrica, Econometric Society, vol. 47(1), pages 153-61, January.
  5. John Muellbauer & Emilio Fernandez-Corugedo, 2004. "Consumer credit conditions in the UK," Money Macro and Finance (MMF) Research Group Conference 2003 70, Money Macro and Finance Research Group.
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Cited by:
  1. Ana Del-Rí­o & Garry Young, 2005. "The impact of unsecured debt on financial distress among British households," Bank of England working papers 262, Bank of England.

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