The impact of demand side macroprudential policies on household indebtedness
需求侧宏观审慎政策对家庭债务的影响
基本信息
- 批准号:2269475
- 负责人:
- 金额:--
- 依托单位:
- 依托单位国家:英国
- 项目类别:Studentship
- 财政年份:2019
- 资助国家:英国
- 起止时间:2019 至 无数据
- 项目状态:已结题
- 来源:
- 关键词:
项目摘要
Since the 2008 crisis, several policy tools have been introduced. The novelty of many of these tools is that instead of tightening bank capital, they tacked household indebtedness directly. The goal of these policies is to achieve financial stability through limiting credit growth.The uniqueness of this research is focusing on households instead of on aggregate credit. The new policies impact households directly who are more heterogenous than banks. Using aggregate credit data implicitly assumes that all households react identically to these policies which inherently means we do not get the full picture of the impact of these tools.A credit register contains all loan level information for each contract (anonymised). Utilising the untapped potential in these registers will give a better understanding of how these policies impact the decomposition of the credit market. It allows to uncover the defining characteristics that determine whether a household drops out of the credit market as opposed to households that simply alter their credit demand.The research also aims to study how the policies impact the credit market and the real economy. It is expected that with the micro focus of the dataset a more accurate estimation of the impact on credit growth can be obtained. When studying the impact on the real economy the research aims to use a quantile regression approach to capture the full spectrum of effects.The research will contribute to the current discourse on macroprudential policy by having a household focus.
自2008年危机以来,已经推出了几种政策工具。这些工具的新颖之处在于,它们没有收紧银行资本,而是直接针对家庭债务。这些政策的目标是通过限制信贷增长来实现金融稳定。这项研究的独特之处在于,它关注的是家庭,而不是总信贷。新政策直接影响到比银行更具有异质性的家庭。使用总信贷数据隐含地假设所有家庭对这些政策的反应相同,这本质上意味着我们无法全面了解这些工具的影响。信用记录包含每个合同的所有贷款级别信息(匿名)。利用这些登记册中未开发的潜力,将更好地了解这些政策如何影响信贷市场的分解。它可以揭示决定一个家庭是否退出信贷市场的决定性特征,而不是简单地改变其信贷需求的家庭。该研究还旨在研究政策如何影响信贷市场和实体经济。通过对数据集的微观聚焦,可以更准确地估计对信贷增长的影响。在研究对实体经济的影响时,研究旨在使用分位数回归方法来捕捉所有影响。该研究将以家庭为重点,有助于当前关于宏观审慎政策的论述。
项目成果
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其他文献
吉治仁志 他: "トランスジェニックマウスによるTIMP-1の線維化促進機序"最新医学. 55. 1781-1787 (2000)
Hitoshi Yoshiji 等:“转基因小鼠中 TIMP-1 的促纤维化机制”现代医学 55. 1781-1787 (2000)。
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LiDAR Implementations for Autonomous Vehicle Applications
- DOI:
- 发表时间:
2021 - 期刊:
- 影响因子:0
- 作者:
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吉治仁志 他: "イラスト医学&サイエンスシリーズ血管の分子医学"羊土社(渋谷正史編). 125 (2000)
Hitoshi Yoshiji 等人:“血管医学与科学系列分子医学图解”Yodosha(涉谷正志编辑)125(2000)。
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Effect of manidipine hydrochloride,a calcium antagonist,on isoproterenol-induced left ventricular hypertrophy: "Yoshiyama,M.,Takeuchi,K.,Kim,S.,Hanatani,A.,Omura,T.,Toda,I.,Akioka,K.,Teragaki,M.,Iwao,H.and Yoshikawa,J." Jpn Circ J. 62(1). 47-52 (1998)
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