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Main Author:	Becker, David Michael 1986- (Author)
Format:	Thesis/Dissertation Book
Language:	English
Published:	Mannheim 2017
Subjects:	Hochschulschrift
Links:	http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=029919022&sequence=000001&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA
Physical Description:	xviii, 244 Seiten Illustrationen

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adam_text	Titel: Empirical essays on the borrowing behavior and financial distress of individuals Autor: Becker, David Michael Jahr: 2017 Table of Contents List of Figures xi List of Tables xv List of Abbreviations xvii 1 General Introduction 1 1.1 Motivation ..............................................................................1 1.2 Household Participation in Credit Markets............................................3 1.2.1 Overview........................................................................3 1.2.2 What is the Optimal Level of Debt? .....................................5 1.2.3 Reasons for Borrowing..........................................................8 1.3 Household Vulnerability................................................................12 1.3.1 Relevant Sources of Economic Risk............................................12 1.3.2 Delinquency, Default, and Bankruptcy........................................14 1.4 Outline of the Thesis and Main Results..............................................19 2 Borrower Heterogeneity and the Demand for Overdrafts 23 2.1 Introduction..............................................................................23 2.2 Theory and Predictions................................................................29 2.3 Data......................................................................................33 2.3.1 Selection Procedure and Survey Design......................................33 2.3.2 Elicited Variables................................................................35 2.3.3 Bank Account Information ....................................................39 2.4 Empirical Results........................................................................41 2.4.1 Time Preferences and Overdraft Usage........................................41 2.4.2 Rational Impatience or Present Bias? ....................49 2.4.3 How is the Money Spent?......................................................58 2.5 Potential Peer Effects .................................61 2.6 Robustness Checks...................................64 2.6.1 Sample Adjustments............................................................64 2.6.2 Second Snapshot of Account Information ....................................67 2.7 Conclusion ........................................................................71 3 Does Promoting Cheaper Credit Spur Household Refinancing? 73 3.1 Introduction. ...........................................................................79 3.2 Data......................................................................................79 3.2.1 Overview........................................................................79 3.2.2 Mailing Treatment...................................80 3.2.3 Individual Characteristics................................................83 3.2.4 Checking Account Activity, Debt, and Savings............... 85 3.3 Impact of Mailings on Credit Choices ................................................87 3.3.1 Checking Account Balances and Credit Line Demand Over Time..........87 3.3.2 Main Results....................................................................90 3.3.3 How Persistent are the Effects?................................................97 3.3.4 Role of Liquidity Constraints.........................100 3.4 Behavior of Individuals Who Use Credit Lines....................106 3.5 Robustness Checks...................................112 3.5.1 Calendar Time Approach...........................112 3.5.2 Further Tests............................................112 3.6 Conclusion ......................................114 4 From Bad to Worse? Individuals in Financial Distress 117 4.1 Introduction..........................................................117 4.2 Institutional Framework............................................121 4.2.1 Payment Difficulties........................................121 4.2.2 Bankruptcy Law.....................................122 4.3 Data Sources..............................123 4.3.1 Credit Bureau Data..............................123 4.3.2 Additional Data................................124 4.4 Consumer Default ...................................124 4.4.1 Debtors.....................................125 4.4.2 Creditors....................................127 4.4.3 Arrears.....................................131 4.5 Repayment Behavior and Recovery..........................134 4.5.1 Repayment Measures..............................134 4.5.2 Debtors.....................................138 4.5.3 Creditors....................................140 4.5.4 Multivariate Analysis .............................145 4.6 Consumer Bankruptcy.................................150 4.7 Conclusion .......................................153 5 Loan Defaults and Limits to Relationship Banking 155 5.1 Introduction.......................................155 5.2 Data...........................................160 5.2.1 Overview and Institutional Framework....................160 5.2.2 Borrower and Loan Characteristics......................161 5.2.3 Defaults and Reporting Time.........................163 5.2.4 Repayment and Bankruptcy Measures....................166 5.2.5 Relationship Measures.............................168 5.3 Bank-Client Relationships and Repayment Behavior................169 5.3.1 Main Results..................................169 5.3.2 Reporting of Default Events..........................173 5.3.3 Handling of Loan Contracts in Default....................178 5.3.4 Clients Default Decisions...........................182 5.4 Subsequent Defaults and Bankruptcy.........................189 5.5 Robustness Checks...................................193 5.5.1 Decomposing Relationship Duration.....................193 5.5.2 Alternative Measure of Repayment Behavior ................196 5.5.3 Controlling for the Number of Defaults ...................198 5.6 Conclusion .......................................198 A Survey Questionnaire 201 B Wording of the Sales Letter 207 C Additional Figures and Tables 209 C.l Supplement to Chapter 2...............................210 C.2 Supplement to Chapter 3...............................217 C.3 Supplement to Chapter 5...............................225 Bibliography 229
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title	Empirical essays on the borrowing behavior and financial distress of individuals
title_auth	Empirical essays on the borrowing behavior and financial distress of individuals
title_exact_search	Empirical essays on the borrowing behavior and financial distress of individuals
title_full	Empirical essays on the borrowing behavior and financial distress of individuals David Michael Becker
title_fullStr	Empirical essays on the borrowing behavior and financial distress of individuals David Michael Becker
title_full_unstemmed	Empirical essays on the borrowing behavior and financial distress of individuals David Michael Becker
title_short	Empirical essays on the borrowing behavior and financial distress of individuals
title_sort	empirical essays on the borrowing behavior and financial distress of individuals
topic_facet	Hochschulschrift
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