The Wharton School
3620 Locust Walk
Philadelphia, PA 19104
1050 Massachusetts Avenue
Cambridge, MA 02138
University of Pennsylvania - Finance Department
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Securitization, Special Purpose Vehicles, Bankruptcy, Consumer Credit, Credit Cards
permanent-income hypothesis, liquidity constraints, precautionary saving; marginal propensity to consume, interest-rate elasticity; credit supply, consumer credit, credit cards.
consumption, borrowing, debt, balance sheets, consumer credit, credit cards, banking
Consumption, saving, Life-Cycle model, Permanent-Income Hypothesis, liquidity constraints; fiscal policy, tax cuts, tax rebates, windfalls
Personal bankruptcy, Forecasting default, Credit risk management, Consumer credit, Credit cards
Personal bankruptcy; Forecasting default; Credit risk management; Consumer credit; Credit cards
consumption, saving, Life-Cycle model, Permanent-Income Hypothesis, liquidity constraints, fiscal policy, tax cuts, tax rebates, windfalls, credit cards, consumer credit, consumer balance sheets, household finance
credit supply, consumer credit; default risk, credit scores, loan portfolio analysis
Mortgages, Mortgage Default, Negative Equity, Illiquidity, Double Trigger, Consumer Credit, Household Finance
rent risk, house price risk, housing tenure choice, house prices, household risk management, aging and housing wealth
Relationship Banking; Credit Cards, Consumer Credit, Deposits, Investments
Relationship Banking, Credit Cards, Consumer Credit, Deposits, Investments, Household Finance
housing demand, house price risk, mobility, tenure choice
Revealed preference, survey methods, treatment effects, consumption, marginal propensity to consume, fiscal policy
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Life-Cycle Model, Permanent-Income Hypothesis, Excess sensitivity; Fiscal Policy, Tax cuts
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