Empirical essays on the borrowing behavior and financial distress of individuals:
Gespeichert in:
| Beteilige Person: | |
|---|---|
| Format: | Hochschulschrift/Dissertation Buch |
| Sprache: | Englisch |
| Veröffentlicht: |
Mannheim
2017
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| Schlagwörter: | |
| 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 |
| Umfang: | xviii, 244 Seiten Illustrationen |
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| 245 | 1 | 0 | |a Empirical essays on the borrowing behavior and financial distress of individuals |c David Michael Becker |
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Datensatz im Suchindex
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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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