Household Consumer Credit Demand

  • Daniela Vandone
Part of the Contributions to Economics book series (CE)


Since the mid 1980s consumer credit has grown rapidly in most European countries. However, the amounts borrowed by households as a proportion of income differ widely from country to country. These differences can be ascribed to a variety of factors, some of which have been extensively analysed in the literature,1 that influence the demand for and supply of credit and, consequently, the size of national household credit markets.

In this chapter we will examine, through the use of macroeconomic data, the evolution of national consumer credit markets. We will then analyse the social, demographic and economic characteristics of indebted households based on information available from national surveys carried out periodically by National Central Banks and/or statistics institutes.


Disposable Income Financial Situation Credit Market Consumer Credit British Household Panel Survey 
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Copyright information

© Springer-Verlag Berlin Heidelberg 2009

Authors and Affiliations

  1. 1.Università degli Studi di MilanoDepartment of Economics, Business and StatisticsMilanItaly

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