Using Bounds to Investigate Household Debt Repayment Behaviour

Charles Grant () and Mario Padula

CEDI Discussion Paper Series from Centre for Economic Development and Institutions(CEDI), Brunel University

Abstract: Understanding the factors that influence arrears is crucial if policy makers wish to alleviate the problems caused by debt. But conventional estimates of repayment behaviour impose implausible assumptions about lender behaviour. However, an upper and lower bound for the effect of the determinants of repayment behaviour can be estimated. Reasonable assumptions about the behaviour of economic agents narrows these bands. We use administrative data from a leading Italian lender to the household sector to demonstrate the methodology.

Pages: 46 pages
Date: 2012-09
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Journal Article: Using bounds to investigate household debt repayment behaviour (2013)
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