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Consumer credit in Italy. Diffusion and territorial differences

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Author Info
Daniela Vandone (University of Milan)

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Abstract

The analysis sets out to clarify whether households' demand for consumer credit can be adequately explained by models presented in the literature (life-cycle and permanent income) or whether other factors are observable, such as the use of debt to alleviate financial difficulties. With this in mind, the research seeks to establish whether specific determinants characterise the consumer credit market in different areas of the country. The Bank of Italy Survey on Household Income and Wealth for 2004 (SHIW) is used to identify determinants of consumer credit and the possible existence of territorial specificity.

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Publisher Info
Paper provided by Universitá degli Studi di Milano in its series UNIMI - Research Papers in Economics, Business, and Statistics with number 1062.

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Date of creation: 14 Sep 2007
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Handle: RePEc:bep:unimip:1062

Note: oai:cdlib1:unimi-1062
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Related research
Keywords: consumer credit; household debt sustainability; Survey on Household Income and Wealth; territorial specificity;

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This page was last updated on 2009-11-21.

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