Household Credit as Stimulus? Evidence from Brazil

Abstract This paper investigates racial disparities in household credit constraints using UK survey data. We find a widening disparity in the proportion of racial minority households reporting they face credit constraints compared with non-minority households over the period 2006-2009. By 2009 three times as many racial minority households faced credit constraints compared with non-minority households. The difference in credit constraints across racial minority and non-minority households is not explained by a broad set of covariates. While cross-section variation in reported credit constraints might most likely reflect unobservables, we argue this time series variation is very unlikely to arise due to unobservables and is evidence of growing perceived disparity in credit access between racial groups over the period.

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Increasing household credit creates financial risks

OECD Economic Surveys: China 2019 - OECD Economic Surveys: China ◽

10.1787/b0dad43a-en ◽

2019 ◽

Keyword(s):

Financial Risks ◽

Household Credit

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The Impact of Household Credit on Consumption in Laos

Southeast Asian Economies ◽

10.1355/ae34-2f ◽

2017 ◽

Vol 34 (2) ◽

pp. 345-366

Author(s):

Somsay Ouanphilalay ◽

Keyword(s):

Household Credit ◽

The Impact

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Time-varying effect of macro-prudential policies on household credit growth: Evidence from China

Economic Analysis and Policy ◽

10.1016/j.eap.2021.08.010 ◽

2021 ◽

Vol 72 ◽

pp. 241-254

Author(s):

Yunping Chen ◽

Huanhuan Chen ◽

Guorong Li ◽

Dongdan Jiao ◽

Xiangyun Xu

Keyword(s):

Time Varying ◽

Credit Growth ◽

Household Credit

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The role of market imperfections in the relationship between housing prices and household credit: Evidence from Taiwan

Asian-Pacific Economic Literature ◽

10.1111/apel.12022 ◽

2013 ◽

Vol 27 (2) ◽

pp. 131-143 ◽

Cited By ~ 2

Author(s):

An-Pin Wei ◽

Wei-Ling Huang ◽

Chih-Yuan Yang ◽

Ming-Chi Chen

Keyword(s):

Housing Prices ◽

Market Imperfections ◽

Household Credit ◽

The Relationship

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Credit Behaviors of Rural Households in the Perspective of Complex Social Networks

Complexity ◽

10.1155/2021/9975856 ◽

2021 ◽

Vol 2021 ◽

pp. 1-13

Author(s):

Qiang Zhao ◽

Yue Shen ◽

Chaoqian Li

Keyword(s):

Social Networks ◽

Social Network ◽

Human Behavior ◽

Positive Impact ◽

Rural Household ◽

Opinion Formation ◽

Informal Credit ◽

Rural Credit ◽

Social Network Dynamics ◽

Household Credit

With the increasing number of social networks emerging and evolving, the influence of social networks on human behavior is now again a subject of discussion in academe. Dynamics in social networks, such as opinion formation and information sharing, are restricting or proliferating members’ behavior on social networks, while new social network dynamics are created by interpersonal contacts and interactions. Based on this and against the backdrop of unfavourable rural credit development, this article uses CHFS data to discuss the whole and heterogeneous impact of social networks on rural household credit behavior. The results show that (1) social networks can effectively promote rural household credit behavior; (2) social networks have a significant positive impact on both formal credit and informal credit, but the influence of the latter is stronger; (3) both emotional networks and instrumental networks have a positive impact on formal credit and informal credit, and their influences are stronger on informal credit; (4) the influence of emotional network is stronger than instrumental networks on either formal credit or informal credit.

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