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This paper examines the relationship between house prices and consumption, through the use of debt. Using unique Canadian household-level data that reports the uses of de[...]
2013 | Text | Staff Working Paper - Document de travail du personnel |
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2.
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Recent studies find that cash remains a dominant payment choice for small-value transactions despite the prevalence of alternative means of payment such as debit and cred[...]
2012 | Text | Staff Working Paper - Document de travail du personnel |
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3.
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The lack of consolidated Canadian micro data on household balance sheets and expenditures has been an important impediment to empirical research into real-financial linka[...]
2010 | Text | Staff Working Paper - Document de travail du personnel |
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4.
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Nous construisons un cadre d'analyse formel pour simuler l'impact de divers chocs économiques sur le ratio du service de la dette des ménages, en utilisant des données d'[...]
2009 | Texte | Document de travail du personnel - Staff Working Paper |
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5.
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The household debt-to-disposable income ratio in Canada increased from 110 per cent in 1999 to 127 per cent in 2007. This increase has raised questions about the ability [...]
2008 | Text | Staff Working Paper - Document de travail du personnel |
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6.
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This paper studies the role that market structure plays in affecting the diffusion of electronic banking. Electronic banking (and electronic commerce more generally) redu[...]
2008 | Text | Staff Working Paper - Document de travail du personnel |
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7.
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The author models the choice between credit cards and home equity lines of credit (HELOCs) within a framework where consumers hold lines of credit as instruments of consu[...]
2005 | Text | Staff Working Paper - Document de travail du personnel |
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8.
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Payment services offered by non-banks have flourished in recent years. The author provides an overview of the different kinds of non-bank retail payments schemes currentl[...]
2008 | Text | Staff Discussion Paper - Document d’analyse du personnel |
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9.
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Using a unique micro-dataset containing real and financial information on Canadian households for 2000–07, the authors address two questions: (1) What is the proportion o[...]
2012 | Text | Staff Discussion Paper - Document d’analyse du personnel |
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10.
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Rising levels of household indebtedness have created concerns about the vulnerabilities of households to adverse economic shocks and the impact on financial stability. To[...]
2012 | Text | Staff Discussion Paper - Document d’analyse du personnel |
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