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Financial Deregulation and Consumer Behavior: the Norwegian Experience

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Author Info
Pål Boug, Knut Anton Mork, and Trond Tjemsland () (Statistics Norway)
Abstract

The present paper uses the model by Campbell and Mankiw (1991) to examine the Norwegian consumer behavior and the role of the financial deregulation during the 1980s. For quarterly data on non-durables and services, we estimate the fraction of current income consumers to be in the range of 37% and 75% before the financial deregulation. This evidence indicates a substantial departure from the rational, forward-looking behavior, and there is thus reason to believe that liquidity constraints did bind the Norwegian consumer behavior until the mid 1980s. Our results further suggest that this evidence has disappeared after the financial deregulation in that the estimated fraction of current income consumers is essentially zero after 1985. This finding is so much more remarkable in that hardly any other aggregate time-series data set, from any country, conforms this closely with the forward-looking hypothesis.

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Publisher Info
Paper provided by Research Department of Statistics Norway in its series Discussion Papers with number 156.

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Date of creation: Oct 1995
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Handle: RePEc:ssb:dispap:156

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Related research
Keywords: Consumer behavior financial deregulation econometrics.

Other versions of this item:

Find related papers by JEL classification:
C32 - Mathematical and Quantitative Methods - - Multiple or Simultaneous Equation Models; Multiple Variables - - - Time-Series Models
D91 - Microeconomics - - Intertemporal Choice and Growth - - - Intertemporal Consumer Choice; Life Cycle Models and Saving
E21 - Macroeconomics and Monetary Economics - - Macroeconomics: Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth

Cited by:
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  1. Sverre Grepperud, 1997. "Soil Depletion Choices under Production and Price Uncertainty," Discussion Papers 186, Research Department of Statistics Norway. [Downloadable!]
  2. Elin Halvorsen, 2003. "Financial Deregulation and Household Saving. The Norwegian Experience Revisited," Discussion Papers 361, Research Department of Statistics Norway. [Downloadable!]
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