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Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors
| Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors |
| Pubbl/distr/stampa | Cambridge, Mass., : Joint Center for Housing Studies, Harvard University |
| Descrizione fisica | 1 online resource (303 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
RetsinasNicolas Paul <1946->
BelskyEric S |
| Collana | James A. Johnson metro series |
| Soggetto topico |
Consumer credit - United States
Mortgage loans - United States |
| Soggetto genere / forma | Electronic books. |
| ISBN |
1-282-13122-2
9786612131226 0-8157-0172-1 |
| Formato | Materiale a stampa  |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Introduction : borrowing to live / Nicolas P. Retsinas and Eric S. Belsky -- Consumer and mortgage credit at the crossroads / Eric S. Belsky, Ren S. Essene, and Nicholas P. Retsinas -- Where does it go? Spending by the financially constrained / Shawn Cole, John Thompson, and Peter Tufano -- Financial decisionmaking processes of low-income individuals / Edna R. Sawady and Jennifer Tescher -- The legal infrastructure of subprime and nontraditional home mortgages / Patricia A. McCoy and Elizabeth Renuart -- The impact of state antipredatory lending laws : policy implications and insights / Raphael W. Bostic ...[et. al.] -- Behaviorally informed home mortgage credit regulation / Michael S. Barr, Sendhil Mullainathan, and Eldar Shafir -- Interventions in mortgage default : policies and practices to prevent home loss and lower costs / Amy Crews Cutts and William A. Merrill -- Looking beyond our shores : consumer protection regulation lessons from the United Kingdom / Elaine Kempson. |
| Record Nr. | UNINA-9910454047203321 |
| Cambridge, Mass., : Joint Center for Housing Studies, Harvard University | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors
| Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors |
| Pubbl/distr/stampa | Cambridge, Mass., : Joint Center for Housing Studies, Harvard University |
| Descrizione fisica | 1 online resource (303 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
RetsinasNicolas Paul <1946->
BelskyEric S |
| Collana | James A. Johnson metro series |
| Soggetto topico |
Consumer credit - United States
Mortgage loans - United States |
| ISBN |
1-282-13122-2
9786612131226 0-8157-0172-1 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Introduction : borrowing to live / Nicolas P. Retsinas and Eric S. Belsky -- Consumer and mortgage credit at the crossroads / Eric S. Belsky, Ren S. Essene, and Nicholas P. Retsinas -- Where does it go? Spending by the financially constrained / Shawn Cole, John Thompson, and Peter Tufano -- Financial decisionmaking processes of low-income individuals / Edna R. Sawady and Jennifer Tescher -- The legal infrastructure of subprime and nontraditional home mortgages / Patricia A. McCoy and Elizabeth Renuart -- The impact of state antipredatory lending laws : policy implications and insights / Raphael W. Bostic ...[et. al.] -- Behaviorally informed home mortgage credit regulation / Michael S. Barr, Sendhil Mullainathan, and Eldar Shafir -- Interventions in mortgage default : policies and practices to prevent home loss and lower costs / Amy Crews Cutts and William A. Merrill -- Looking beyond our shores : consumer protection regulation lessons from the United Kingdom / Elaine Kempson. |
| Record Nr. | UNINA-9910778025403321 |
| Cambridge, Mass., : Joint Center for Housing Studies, Harvard University | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors
| Borrowing to live [[electronic resource] ] : consumer and mortgage credit revisited / / Nicolas P. Retsinas, Eric S. Belsky, editors |
| Pubbl/distr/stampa | Cambridge, Mass., : Joint Center for Housing Studies, Harvard University |
| Descrizione fisica | 1 online resource (303 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
RetsinasNicolas Paul <1946->
BelskyEric S |
| Collana | James A. Johnson metro series |
| Soggetto topico |
Consumer credit - United States
Mortgage loans - United States |
| ISBN |
1-282-13122-2
9786612131226 0-8157-0172-1 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Introduction : borrowing to live / Nicolas P. Retsinas and Eric S. Belsky -- Consumer and mortgage credit at the crossroads / Eric S. Belsky, Ren S. Essene, and Nicholas P. Retsinas -- Where does it go? Spending by the financially constrained / Shawn Cole, John Thompson, and Peter Tufano -- Financial decisionmaking processes of low-income individuals / Edna R. Sawady and Jennifer Tescher -- The legal infrastructure of subprime and nontraditional home mortgages / Patricia A. McCoy and Elizabeth Renuart -- The impact of state antipredatory lending laws : policy implications and insights / Raphael W. Bostic ...[et. al.] -- Behaviorally informed home mortgage credit regulation / Michael S. Barr, Sendhil Mullainathan, and Eldar Shafir -- Interventions in mortgage default : policies and practices to prevent home loss and lower costs / Amy Crews Cutts and William A. Merrill -- Looking beyond our shores : consumer protection regulation lessons from the United Kingdom / Elaine Kempson. |
| Record Nr. | UNINA-9910818599403321 |
| Cambridge, Mass., : Joint Center for Housing Studies, Harvard University | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter
| Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter |
| Pubbl/distr/stampa | Stanford, CA, : Stanford University Press, 2012 |
| Descrizione fisica | 1 online resource (322 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) | PorterKatherine (Katherine M.) |
| Collana | Studies in Social Inequality |
| Soggetto topico |
Bankruptcy - United States
Debt - United States Consumer credit - United States Middle class - United States Finance, Personal - United States |
| Soggetto genere / forma | Electronic books. |
| ISBN | 0-8047-8058-7 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Frontmatter -- Contents -- Chapter One. Driven by Debt -- Chapter Two. A Vulnerable Middle Class -- Chapter Three. Out of Balance? -- Chapter Four. Home Burdens -- Chapter Five. College Lessons -- Chapter Six. Striking Out on Their Own -- Chapter Seven. No Forwarding Address -- Chapter Eight. Women’s Work, Women’s Worry? -- Chapter Nine. The Do-It-Yourself Mirage -- Chapter Ten. Less Forgiven -- PART V. The Once and Future American Dream -- Chapter Eleven. Borrowing to the Brink -- Chapter Twelve. The Middle Class at Risk -- Appendix. Methodology of the 2007 Consumer Bankruptcy Project -- Acknowledgments -- Notes -- Bibliography -- Contributor Biographies -- Index |
| Record Nr. | UNINA-9910457474603321 |
| Stanford, CA, : Stanford University Press, 2012 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter
| Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter |
| Pubbl/distr/stampa | Stanford, CA, : Stanford University Press, 2012 |
| Descrizione fisica | 1 online resource (322 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) | PorterKatherine (Katherine M.) |
| Collana | Studies in Social Inequality |
| Soggetto topico |
Bankruptcy - United States
Debt - United States Consumer credit - United States Middle class - United States Finance, Personal - United States |
| ISBN | 0-8047-8058-7 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Frontmatter -- Contents -- Chapter One. Driven by Debt -- Chapter Two. A Vulnerable Middle Class -- Chapter Three. Out of Balance? -- Chapter Four. Home Burdens -- Chapter Five. College Lessons -- Chapter Six. Striking Out on Their Own -- Chapter Seven. No Forwarding Address -- Chapter Eight. Women’s Work, Women’s Worry? -- Chapter Nine. The Do-It-Yourself Mirage -- Chapter Ten. Less Forgiven -- PART V. The Once and Future American Dream -- Chapter Eleven. Borrowing to the Brink -- Chapter Twelve. The Middle Class at Risk -- Appendix. Methodology of the 2007 Consumer Bankruptcy Project -- Acknowledgments -- Notes -- Bibliography -- Contributor Biographies -- Index |
| Record Nr. | UNINA-9910781846003321 |
| Stanford, CA, : Stanford University Press, 2012 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter
| Broke [[electronic resource] ] : how debt bankrupts the middle class / / edited by Katherine Porter |
| Pubbl/distr/stampa | Stanford, CA, : Stanford University Press, 2012 |
| Descrizione fisica | 1 online resource (322 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) | PorterKatherine (Katherine M.) |
| Collana | Studies in Social Inequality |
| Soggetto topico |
Bankruptcy - United States
Debt - United States Consumer credit - United States Middle class - United States Finance, Personal - United States |
| ISBN | 0-8047-8058-7 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto | Frontmatter -- Contents -- Chapter One. Driven by Debt -- Chapter Two. A Vulnerable Middle Class -- Chapter Three. Out of Balance? -- Chapter Four. Home Burdens -- Chapter Five. College Lessons -- Chapter Six. Striking Out on Their Own -- Chapter Seven. No Forwarding Address -- Chapter Eight. Women’s Work, Women’s Worry? -- Chapter Nine. The Do-It-Yourself Mirage -- Chapter Ten. Less Forgiven -- PART V. The Once and Future American Dream -- Chapter Eleven. Borrowing to the Brink -- Chapter Twelve. The Middle Class at Risk -- Appendix. Methodology of the 2007 Consumer Bankruptcy Project -- Acknowledgments -- Notes -- Bibliography -- Contributor Biographies -- Index |
| Record Nr. | UNINA-9910813076403321 |
| Stanford, CA, : Stanford University Press, 2012 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Credit booms and lending standards : evidence from the subprime mortgage market / / Giovanni Dell'Ariccia, Deniz Igan, and Luc Laeven
| Credit booms and lending standards : evidence from the subprime mortgage market / / Giovanni Dell'Ariccia, Deniz Igan, and Luc Laeven |
| Autore | Dell'Ariccia Giovanni |
| Pubbl/distr/stampa | [Washington, District of Columbia] : , : International Monetary Fund, , 2008 |
| Descrizione fisica | 1 online resource (39 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
IganDeniz
LaevenLuc |
| Collana |
IMF Working Papers
IMF working paper |
| Soggetto topico |
Credit - United States
Credit - United States - Econometric models Moral hazard - United States - Econometric models |
| Soggetto genere / forma | Electronic books. |
| ISBN |
1-4623-0535-0
1-4527-9953-9 1-4518-6967-3 9786612840616 1-282-84061-4 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto |
Contents; I. Introduction; II. Related Literature; III. Data and Descriptive Statistics; IV. Empirical Methodology; V. Empirical Findings; A. Effects of Changes in the Pool of Applicant Borrowers; B. Identification and Robustness Issues; C. Sensitivity Analysis: Time and Size Effects; D. Effects of Entry and Changes in Market Structure; E. Alternative Proxies for Lending Standards; F. Effects of Loan Sales; VI. Discussion and Conclusions; References; Tables; 1. Coverage in HMDA; 2. Definitions and Sources of Variables; 3. Summary Statistics; 4. Evolution of Denial Rates
5. Determinants of Denial Decision6. Prediction Errors; 7. Robustness; 8. Time and Size Effects; 9. Market and Boom Size; 10. Market Entry and Denial Rates of Incumbents in Prime and Subprime Markets; 11. Alternative Measures of Lending Standards; 12. Securitization, Lending Standards, and Mortgage Market Expansion; Figures; 1. House Prices and Credit Booms; 2. Subprime Mortgage Boom Across the Nation; 3. House Prices and Credit Boom; 4. Lending Standards and Subprime Credit Boom |
| Record Nr. | UNINA-9910464010203321 |
Dell'Ariccia Giovanni
|
||
| [Washington, District of Columbia] : , : International Monetary Fund, , 2008 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Credit Booms and Lending Standards : : Evidence From the Subprime Mortgage Market / / Giovanni Dell'Ariccia, Luc Laeven, Deniz Igan
| Credit Booms and Lending Standards : : Evidence From the Subprime Mortgage Market / / Giovanni Dell'Ariccia, Luc Laeven, Deniz Igan |
| Autore | Dell'Ariccia Giovanni |
| Pubbl/distr/stampa | Washington, D.C. : , : International Monetary Fund, , 2008 |
| Descrizione fisica | 1 online resource (39 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
LaevenLuc
IganDeniz |
| Collana |
IMF Working Papers
IMF working paper |
| Soggetto topico |
Credit - United States
Credit - United States - Econometric models Moral hazard - United States - Econometric models Macroeconomics Money and Monetary Policy Real Estate Industries: Financial Services Banks Depository Institutions Micro Finance Institutions Mortgages Money Supply Credit Money Multipliers Housing Supply and Markets Personal Income, Wealth, and Their Distributions Monetary Policy, Central Banking, and the Supply of Money and Credit: General Finance Property & real estate Monetary economics Loans Housing prices Personal income Credit booms Financial institutions Prices National accounts Money Housing Income |
| ISBN |
1-4623-0535-0
1-4527-9953-9 1-4518-6967-3 9786612840616 1-282-84061-4 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto |
Contents; I. Introduction; II. Related Literature; III. Data and Descriptive Statistics; IV. Empirical Methodology; V. Empirical Findings; A. Effects of Changes in the Pool of Applicant Borrowers; B. Identification and Robustness Issues; C. Sensitivity Analysis: Time and Size Effects; D. Effects of Entry and Changes in Market Structure; E. Alternative Proxies for Lending Standards; F. Effects of Loan Sales; VI. Discussion and Conclusions; References; Tables; 1. Coverage in HMDA; 2. Definitions and Sources of Variables; 3. Summary Statistics; 4. Evolution of Denial Rates
5. Determinants of Denial Decision6. Prediction Errors; 7. Robustness; 8. Time and Size Effects; 9. Market and Boom Size; 10. Market Entry and Denial Rates of Incumbents in Prime and Subprime Markets; 11. Alternative Measures of Lending Standards; 12. Securitization, Lending Standards, and Mortgage Market Expansion; Figures; 1. House Prices and Credit Booms; 2. Subprime Mortgage Boom Across the Nation; 3. House Prices and Credit Boom; 4. Lending Standards and Subprime Credit Boom |
| Record Nr. | UNINA-9910788239003321 |
|
Dell'Ariccia Giovanni
|
||
| Washington, D.C. : , : International Monetary Fund, , 2008 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Credit Booms and Lending Standards : : Evidence From the Subprime Mortgage Market / / Giovanni Dell'Ariccia, Luc Laeven, Deniz Igan
| Credit Booms and Lending Standards : : Evidence From the Subprime Mortgage Market / / Giovanni Dell'Ariccia, Luc Laeven, Deniz Igan |
| Autore | Dell'Ariccia Giovanni |
| Edizione | [1st ed.] |
| Pubbl/distr/stampa | Washington, D.C. : , : International Monetary Fund, , 2008 |
| Descrizione fisica | 1 online resource (39 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) |
LaevenLuc
IganDeniz |
| Collana |
IMF Working Papers
IMF working paper |
| Soggetto topico |
Credit - United States
Credit - United States - Econometric models Moral hazard - United States - Econometric models Macroeconomics Money and Monetary Policy Real Estate Industries: Financial Services Banks Depository Institutions Micro Finance Institutions Mortgages Money Supply Credit Money Multipliers Housing Supply and Markets Personal Income, Wealth, and Their Distributions Monetary Policy, Central Banking, and the Supply of Money and Credit: General Finance Property & real estate Monetary economics Loans Housing prices Personal income Credit booms Financial institutions Prices National accounts Money Housing Income |
| ISBN |
1-4623-0535-0
1-4527-9953-9 1-4518-6967-3 9786612840616 1-282-84061-4 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto |
Contents; I. Introduction; II. Related Literature; III. Data and Descriptive Statistics; IV. Empirical Methodology; V. Empirical Findings; A. Effects of Changes in the Pool of Applicant Borrowers; B. Identification and Robustness Issues; C. Sensitivity Analysis: Time and Size Effects; D. Effects of Entry and Changes in Market Structure; E. Alternative Proxies for Lending Standards; F. Effects of Loan Sales; VI. Discussion and Conclusions; References; Tables; 1. Coverage in HMDA; 2. Definitions and Sources of Variables; 3. Summary Statistics; 4. Evolution of Denial Rates
5. Determinants of Denial Decision6. Prediction Errors; 7. Robustness; 8. Time and Size Effects; 9. Market and Boom Size; 10. Market Entry and Denial Rates of Incumbents in Prime and Subprime Markets; 11. Alternative Measures of Lending Standards; 12. Securitization, Lending Standards, and Mortgage Market Expansion; Figures; 1. House Prices and Credit Booms; 2. Subprime Mortgage Boom Across the Nation; 3. House Prices and Credit Boom; 4. Lending Standards and Subprime Credit Boom |
| Record Nr. | UNINA-9910807167003321 |
|
Dell'Ariccia Giovanni
|
||
| Washington, D.C. : , : International Monetary Fund, , 2008 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
Credit matters : empirical evidence on U.S. macro-financial linkages / / Tamim Bayoumi and Ola Melander
| Credit matters : empirical evidence on U.S. macro-financial linkages / / Tamim Bayoumi and Ola Melander |
| Autore | Bayoumi Tamim A |
| Pubbl/distr/stampa | [Washington, District of Columbia] : , : International Monetary Fund, , 2008 |
| Descrizione fisica | 1 online resource (29 p.) |
| Disciplina | 332.70973 |
| Altri autori (Persone) | MelanderOla |
| Collana |
IMF Working Papers
IMF working paper |
| Soggetto topico |
Credit - United States - Econometric models
Bank assets - Econometric models - United States |
| Soggetto genere / forma | Electronic books. |
| ISBN |
1-4623-6891-3
1-4527-4302-9 1-4518-7027-2 1-282-84120-3 9786612841200 |
| Formato | Materiale a stampa |
| Livello bibliografico | Monografia |
| Lingua di pubblicazione | eng |
| Nota di contenuto |
Contents; I. Introduction; II. A Framework for Analyzing Macro-Financial Linkages; Figures; 1. A Framework for Macro-Financial Linkages; III. The Effect of the Bank Capital/Asset Ratio on Lending Standards; 2. Bank Capital Adequacy and Lending Standards; IV. The Effect of Lending Standards and Balance Sheets on Credit; Tables; 1. The Bank Capital/Asset Ratio and Loan Standards; 2. Loan Standards, Balance Sheet Variables, and Credit; V. The Effect of Credit on Spending; 3. The Effect of Credit on Spending; VI. The Effect of Spending on Income; 4. The Effect of Spending on Income
VII. Feedback Loop through Balance Sheets of Banks, Firms and Households 5. Feedback Effects of GDP Growth on Bank Capital; VIII. Bottom Line: Quantitative Importance of Macro-Financial Linkages; 3. The Effects of an Adverse Bank Capital Shock; 4. The Impact of an Adverse Capital Shock on the Level of GDP and its Components; 5. The Impact of an Adverse Capital Shock on GDP Growth and the Contribution of GDP Components; 6. The Effects of an Adverse Demand Shock; 7. The Impact of an Adverse Demand Shock on the Level of GDP; IX. Conclusions 6. Loan Standards, Balance Sheet Variables, and Bank Credit Appendices; I. Credit Regressions for Bank Lending; 7. The Effect of Credit on Personal Consumption Expenditure; II. Spending Regressions for Sub-Components of Consumption; References |
| Record Nr. | UNINA-9910463604003321 |
|
Bayoumi Tamim A
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| [Washington, District of Columbia] : , : International Monetary Fund, , 2008 | ||
| Materiale a stampa | ||
| Lo trovi qui: Univ. Federico II | ||
| ||
