Use of credit and arrears on debt among low-income families in the United Kingdom
Use of credit and arrears on debt among low-income families in the United Kingdom
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DOI：
10.1111/j.1475-5890.2004.tb00094.x
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发表时间：
2004-03-01
期刊：
影响因子：
7.3
通讯作者：
Disney, R
中科院分区：
文献类型：
--
作者：
Bridges, S;Disney, R
家庭债务积累和债务拖欠，特别是在低收入家庭中，是英国媒体和政策界的一个非常热门的问题。本文利用英国低收入家庭调查的数据，以检查使用信贷，违约和拖欠，低收入家庭有孩子。它显示了单身父母和有子女的夫妇之间以及房主和租房者之间的信贷使用和欠款积累的差异。报告还利用数据集的小组要素（现称为家庭和儿童调查），简要审查了特定形式信贷的长期拖欠情况。
Household accumulation of debt and arrears on debt, especially among low-income families, is an extremely topical issue in the UK media and in policy circles. This paper utilises data from the UK's Survey of Low Income Families in order to examine use of credit, and default and arrears, among low-income families with children. It shows how credit use and accumulation of arrears differ between single parents and couples with children, and also between homeowners and renters. It also briefly examines the persistence of arrears on specific forms of credit using the panel element of the data-set, now named the Families and Children Survey.