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Households’ indebtedness and financial vulnerability in the Italian regions


Author Info

  • Valerio Vacca (coordinator)

    (Bank of Italy)

  • Daniele Coin

    (Bank of Italy)

  • Antonio Maria Conti

    (Bank of Italy)

  • Luigi Leva

    (Bank of Italy)

  • Danilo Liberati

    (Bank of Italy)

  • Elisabetta Manzoli

    (Bank of Italy)

  • Daniele Marangoni

    (Bank of Italy)

  • Sauro Mocetti

    (Bank of Italy)

  • Giuseppe Saporito

    (Bank of Italy)

  • Lucia Sironi

    (Bank of Italy)


This paper depicts – from a variety of viewpoints – the degree of indebtedness and potential financial vulnerabilities of households across the Italian regions. Micro-data from several sources suggest that the financial situation of Italian households shows striking differences at geographical level; some of these differences have partly faded in recent years, whereas under other respects no substantial convergence can be detected. The recent evolution has been heterogeneous for the different socio-demographic classes (income quartiles, citizenship, age of the head, etc.), owing to both demand factors from the part of the households, and supply policies from the part of the banks; the latter in particular changed after the inception of the economic and financial crisis.

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Bibliographic Info

Paper provided by Bank of Italy, Economic Research and International Relations Area in its series Questioni di Economia e Finanza (Occasional Papers) with number 163.

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Date of creation: Jun 2013
Date of revision:
Handle: RePEc:bdi:opques:qef_163_13

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Keywords: household debt; financial fragility; mortgages; real estate finance;

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