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Households� indebtedness and financial vulnerability in the Italian regions

Valerio Vacca (), Daniele Coin (), Antonio Conti (), Luigi Leva (), Danilo Liberati (), Elisabetta Manzoli (), Daniele Marangoni (), Sauro Mocetti (), Giuseppe Saporito () and Lucia Sironi ()
Additional contact information
Daniele Coin: Bank of Italy
Luigi Leva: Bank of Italy
Elisabetta Manzoli: Bank of Italy
Daniele Marangoni: Bank of Italy
Giuseppe Saporito: Bank of Italy
Lucia Sironi: Bank of Italy

No 163, Questioni di Economia e Finanza (Occasional Papers) from Bank of Italy, Economic Research and International Relations Area

Abstract: This paper depicts � from a variety of viewpoints � the degree of indebtedness and potential financial vulnerabilities of households across the Italian regions. Micro-data from several sources suggest that the financial situation of Italian households shows striking differences at geographical level; some of these differences have partly faded in recent years, whereas under other respects no substantial convergence can be detected. The recent evolution has been heterogeneous for the different socio-demographic classes (income quartiles, citizenship, age of the head, etc.), owing to both demand factors from the part of the households, and supply policies from the part of the banks; the latter in particular changed after the inception of the economic and financial crisis.

Keywords: household debt; financial fragility; mortgages; real estate finance (search for similar items in EconPapers)
JEL-codes: D12 D14 G21 R31 (search for similar items in EconPapers)
Date: 2013-06
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