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A hitelpiac szerepe a hazai háztartások fogyasztási és megtakarítási döntéseiben
[The role of the credit market in consumption and saving decisions of Hungarian households]

Author

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  • Bethlendi, András

    ()

Abstract

Az elmúlt közel négy évtized adatait vizsgálva, megállapítható, hogy a hazai háztar tások hosszú távú viselkedésére egy, a pénzügyi magtakarításokkal szemben erő sen a fogyasztást és lakásberuházást előnyben részesítő magatartás vált jellemzővé az intézményrendszer jelentős változásai ellenére. Ebben fontos szerepe van a hitel kínálatnak. A háztartások hitellehetőségeket is kihasználva, növelik fogyasztási és lakásberuházási kiadásaikat. Erős hitelkínálat mellett tartósan alacsony pénzügyi meg takarítási ráta alakul ki. Ez nem egyedülálló az európai országok között, azonban kockázatosabb makrogazdasági pályához vezethet. Journal of Economic Literature (JEL) kód: C22, C51, E21, G11, G21.

Suggested Citation

  • Bethlendi, András, 2007. "A hitelpiac szerepe a hazai háztartások fogyasztási és megtakarítási döntéseiben
    [The role of the credit market in consumption and saving decisions of Hungarian households]
    ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(12), pages 1041-1065.
  • Handle: RePEc:ksa:szemle:956
    as

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    References listed on IDEAS

    as
    1. Christopher D. Carroll, 1997. "Buffer-Stock Saving and the Life Cycle/Permanent Income Hypothesis," The Quarterly Journal of Economics, Oxford University Press, vol. 112(1), pages 1-55.
    2. Hall, Robert E, 1978. "Stochastic Implications of the Life Cycle-Permanent Income Hypothesis: Theory and Evidence," Journal of Political Economy, University of Chicago Press, vol. 86(6), pages 971-987, December.
    3. Modigliani, Franco, 1988. "The Role of Intergenerational Transfers and Life Cycle Saving in the Accumulation of Wealth," Journal of Economic Perspectives, American Economic Association, vol. 2(2), pages 15-40, Spring.
    4. Milton Friedman, 1957. "Introduction to "A Theory of the Consumption Function"," NBER Chapters,in: A Theory of the Consumption Function, pages 1-6 National Bureau of Economic Research, Inc.
    5. Árvai, Zsófia & Menczel, Péter, 2001. "A magyar háztartások megtakarításai 1995 és 2000 között
      [The savings of Hungarian households between 1995 and 2000]
      ," Közgazdasági Szemle (Economic Review - monthly of the Hungarian Academy of Sciences), Közgazdasági Szemle Alapítvány (Economic Review Foundation), vol. 0(2), pages 93-113.
    6. Tullio Jappelli & Marco Pagano, 1994. "Saving, Growth, and Liquidity Constraints," The Quarterly Journal of Economics, Oxford University Press, vol. 109(1), pages 83-109.
    7. Milton Friedman, 1957. "A Theory of the Consumption Function," NBER Books, National Bureau of Economic Research, Inc, number frie57-1, January.
    8. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
    9. Dwight M. Jaffee & Thomas Russell, 1976. "Imperfect Information, Uncertainty, and Credit Rationing," The Quarterly Journal of Economics, Oxford University Press, vol. 90(4), pages 651-666.
    10. István Ábel & Pierre L. Siklos & István P. Székely, 1998. "Money and Finance in the Transition to a Market Economy," Books, Edward Elgar Publishing, number 830, April.
    11. Gábor Vadas, 2007. "Wealth portfolio of Hungarian households – Urban legends and facts," MNB Occasional Papers 2007/68, Magyar Nemzeti Bank (Central Bank of Hungary).
    Full references (including those not matched with items on IDEAS)

    Citations

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    Cited by:

    1. Karoly Fazekas & Gyorgy Molnar (ed.), 2011. "The Hungarian Labour Market 2011," The Hungarian Labour Market Yearbooks, Institute of Economics, Centre for Economic and Regional Studies, Hungarian Academy of Sciences, number 2011, December.

    More about this item

    JEL classification:

    • C22 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Time-Series Models; Dynamic Quantile Regressions; Dynamic Treatment Effect Models; Diffusion Processes
    • C51 - Mathematical and Quantitative Methods - - Econometric Modeling - - - Model Construction and Estimation
    • E21 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Consumption; Saving; Wealth
    • G11 - Financial Economics - - General Financial Markets - - - Portfolio Choice; Investment Decisions
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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