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Consumer credit in Italy. Diffusion and territorial differences

Author

Listed:
  • 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.

Suggested Citation

  • Daniela Vandone, 2007. "Consumer credit in Italy. Diffusion and territorial differences," UNIMI - Research Papers in Economics, Business, and Statistics unimi-1062, Universitá degli Studi di Milano.
    • Handle: RePEc:bep:unimip:unimi-1062
    Note: oai:cdlib1:unimi-1062
    as

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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.

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