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Consumer credit in Italy. Diffusion and territorial differences

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Author Info

  • Daniela Vandone

    (University of Milan)

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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Bibliographic Info

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

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Date of creation: 14 Sep 2007
Date of revision:
Handle: RePEc:bep:unimip:unimi-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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Cited by:
  1. Alena Bicakova & Zuzana Prelcova & Renata Pasalicova, 2010. "Who Borrows and Who May Not Repay?," Working Papers 2010/10, Czech National Bank, Research Department.

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