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O mercado de crédito especializado ao consumo em Portugal

Author

Listed:
  • Teresa Garcia

    (UECE e ISEG, Universidade de Lisboa)

  • Paulo Vieira

    (ISEG, Universidade de Lisboa)

Abstract

This paper analyses the consumer credit market in Portugal for the period from 1998 to 2011. The econometric analysis considers several linear regression models that are used to identify and evaluate the impact of independent variables on consumer credit, based on the life-cycle theory of consumption, the economics of consumer credit, and the theory of household and personal finance. The findings indicate that quarterly variations of consumer credit are significantly influenced by the credit variation of the previous quarter, and, additionally just during the fourth quarter, also by the seasonal factor, for every year under analysis. Furthermore, imports also make a relevant contribution to the evolution of the consumer credit market.

Suggested Citation

  • Teresa Garcia & Paulo Vieira, 2017. "O mercado de crédito especializado ao consumo em Portugal," Notas Económicas, Faculty of Economics, University of Coimbra, issue 45, pages 65-81, December.
    • Handle: RePEc:gmf:journl:y:2017:i:45:p:65:81
    DOI: 10.14195/2183-203X_45_4
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    More about this item

    Keywords

    Consuming credit; Portugal; descriptive data analysis; linear regression models.;
    All these keywords.

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance

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