Ernesto Villanueva

Banco de España - Research Department

Alcala 50

28014 Madrid

Spain

SCHOLARLY PAPERS

30

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2,485

SSRN CITATIONS
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Top 1,371

in Total Papers Citations

119

CROSSREF CITATIONS

768

Scholarly Papers (30)

Finance for All: The Impact of Financial Literacy Training in Compulsory Secondary Education in Spain

Banco de Espana Working Paper No. 1502
Number of pages: 52 Posted: 04 Feb 2015
Laura Hospido, Ernesto Villanueva and Gema Zamarro
Banco de España - Research Department, Banco de España - Research Department and University of Arkansas - Department of Education Reform
Downloads 275 (158,973)
Citation 54

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financial education, impact evaluation, selection bias

Finance for All: The Impact of Financial Literacy Training in Compulsory Secondary Education in Spain

IZA Discussion Paper No. 8902
Number of pages: 47 Posted: 23 Mar 2015
Laura Hospido, Ernesto Villanueva and Gema Zamarro
Banco de España - Research Department, Banco de España - Research Department and University of Arkansas - Department of Education Reform
Downloads 100 (371,250)
Citation 4

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financial education, impact evaluation, selection bias

The Impact of High School Financial Education on Financial Knowledge and Choices: Evidence from a Randomized Trial in Spain

Banco de Espana Working Paper No. 1801
Number of pages: 56 Posted: 02 Feb 2018
Olympia Bover, Laura Hospido and Ernesto Villanueva
Banco de España - Research Department, Banco de España - Research Department and Banco de España - Research Department
Downloads 324 (133,804)
Citation 8

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financial education, impact evaluation

The Impact of High School Financial Education on Financial Knowledge and Choices: Evidence from a Randomized Trial in Spain

IZA Discussion Paper No. 11265
Number of pages: 43 Posted: 29 Jan 2018
Olympia Bover, Laura Hospido and Ernesto Villanueva
Banco de España - Research Department, Banco de España - Research Department and Banco de España - Research Department
Downloads 42 (583,884)
Citation 4

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financial education, impact evaluation

The Impact of High School Financial Education on Financial Knowledge and Choices: Evidence from a Randomized Trial in Spain

CEPR Discussion Paper No. DP12632
Number of pages: 44 Posted: 29 Jan 2018
Olympia Bover, Laura Hospido and Ernesto Villanueva
Banco de España - Research Department, Banco de España - Research Department and Banco de España - Research Department
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Financial Education, Impact Evaluation

The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions

National Bank of Belgium Working Paper No. 252
Number of pages: 83 Posted: 21 Dec 2013
Banco de España - Research Department, Banco de España, Bank of Portugal, National Bank of Belgium, Central Bank of Ireland, LISER, Deutsche Bundesbank, Banco de España - Research Department and Národná banka Slovenska
Downloads 92 (391,569)
Citation 36

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Household debt and interest rate distributions, Time to Foreclose, Taxation, Loan-to-Value ratios, Fixed rate mortgages, Financial literacy

The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions

Banco de Espana Working Paper No. 1320
Number of pages: 85 Posted: 30 Nov 2013
Banco de España - Research Department, Banco de España, Banco de España - Research Department, Bank of Portugal, National Bank of Belgium, Economic and Social Research Institute, Ireland, LISER, Deutsche Bundesbank and VU University Amsterdam
Downloads 51 (538,178)
Citation 38

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household debt and interest rate distributions, time to foreclosure, taxation, loan-to-value ratios, fixed rate mortgages, financial literacy

The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions

European Central Bank Working Paper No. 1639
Number of pages: 82 Posted: 14 Mar 2014
Banco de España - Research Department, Banco de España, Bank of Portugal, National Bank of Belgium, Central Bank of Ireland, LISER, Deutsche Bundesbank, Banco de España - Research Department and Národná banka Slovenska
Downloads 34 (631,005)

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household debt and interest rate distributions, time to foreclose, taxation, loan-to-value ratios, fixed rate mortgages, financial literacy

The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions

Bundesbank Discussion Paper No. 01/2014
Number of pages: 92 Posted: 21 Jun 2016
Banco de España - Research Department, Banco de España, Bank of Portugal, National Bank of Belgium, Central Bank of Ireland, LISER, Deutsche Bundesbank, Banco de España - Research Department and Národná banka Slovenska
Downloads 14 (794,986)

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Household debt and interest rate distributions, Time to Foreclose, Taxation, Loanto-Value ratios, Fixed rate mortgages, Financial literacy

The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions

CEPR Discussion Paper No. DP10934
Number of pages: 46 Posted: 16 Nov 2015
Banco de España - Research Department, Banco de España, Bank of Portugal, National Bank of Belgium, Central Bank of Ireland, LISER, Deutsche Bundesbank, Banco de España - Research Department and Národná banka Slovenska
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Fixed rate mortgages, Household debt and interest rate distributions, Loan-to-Value ratios, Taxation, Time to Foreclose

4.

How Do Central Banks Identify Risks? A Survey of Indicators

Banco de Espana Occasional Paper No. 2125
Number of pages: 56 Posted: 06 Oct 2021
Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, Bank of Spain, Banco de España, Banco de España, Banco de España, Banco de España, Banco de España, University of Navarra - Department of Microbiology and Infectious Diseases, Banco de España - Research Department, Banco de España, Banco de España, Banco de España, Bank of Spain, Banco de España and Banco de España
Downloads 152 (271,470)

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risk identification, systemic risk, systemic risk indicators, standard risk indicators, financial stability

5.

The Effects of the Introduction of Tax Incentives on Retirement Savings

Banco de España Research Paper No. WP-0724
Number of pages: 49 Posted: 05 Jul 2007
Juan Ayuso, Juan F. Jimeno and Ernesto Villanueva
Banco de España, Banco de España - Research Department and Banco de España - Research Department
Downloads 149 (275,892)
Citation 50

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pension funds, tax incentives, savings

6.

The Impact of Interest-Rate Subsidies on Long-Term Household Debt: Evidence from a Large Program

UPF Working Paper No. 713
Number of pages: 49 Posted: 11 Jul 2004
Ernesto Villanueva and Nuno C. Martins
Banco de España - Research Department and Bank of Portugal
Downloads 131 (305,031)
Citation 1

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Consumer borrowing, subsidies, quasi-natural experiment

7.

Does Limited Access to Mortgage Debt Explain Why Young Adults Live with Their Parents?

Banco de Espana Research Paper No. WP-0628
Number of pages: 52 Posted: 23 Oct 2006
Nuno C. Martins and Ernesto Villanueva
Bank of Portugal and Banco de España - Research Department
Downloads 123 (319,512)
Citation 51

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Living arrangements, Family Structure, Credit Markets

8.

Parental Altruism Under Imperfect Information: Theory and Evidence

Universitat Pompeu Fabra Economics and Business Working Paper No. 650
Number of pages: 51 Posted: 30 Apr 2003
Ernesto Villanueva
Banco de España - Research Department
Downloads 100 (368,505)
Citation 10

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Altruism, imperfect information, intervivos transfers

9.

Education, Labour Market Experience and Cognitive Skills: Evidence from PIAAC

Banco de Espana Working Paper No. 1635
Number of pages: 42 Posted: 18 Jan 2017
Banco de España - Research Department, Banco de España, Banco de España and Banco de España - Research Department
Downloads 95 (380,535)
Citation 4

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human capital, tasks, education, working experience, cognitive skills

10.

Contract Staggering and Unemployment During the Great Recession: Evidence from Spain

Banco de Espana Working Paper No. 1431
Number of pages: 53 Posted: 06 Jan 2015
Luis Díez-Catalán and Ernesto Villanueva
University of Minnesota and Banco de España - Research Department
Downloads 90 (393,662)
Citation 9

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collective bargaining, labor demand, aggregate shock, wage rigidity

11.

The Response of Household Wealth to the Risk of Losing the Job: Evidence from Differences in Firing Costs

Banco de Espana Working Paper No. 1002
Number of pages: 58 Posted: 22 Feb 2010
Cristina Barcelo and Ernesto Villanueva
Banco de España and Banco de España - Research Department
Downloads 71 (451,136)
Citation 64

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precautionary savings, household wealth and consumption, labor firing costs

12.
Downloads 70 (454,597)
Citation 8

The Marginal Propensity to Spend on Adult Children

UPF Economics and Business Working Paper No. 667
Number of pages: 62 Posted: 30 Aug 2003
Joseph G. Altonji and Ernesto Villanueva
Yale University - Economic Growth Center and Banco de España - Research Department
Downloads 45 (567,905)

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Bequests, intervivos transfers, permanent income

The Marginal Propensity to Spend on Adult Children

NBER Working Paper No. w9811
Number of pages: 62 Posted: 05 Jul 2003 Last Revised: 24 Apr 2022
Joseph G. Altonji and Ernesto Villanueva
Yale University - Economic Growth Center and Banco de España - Research Department
Downloads 25 (696,110)
Citation 4

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13.

The Schooling Response to a Sustained Increase in Low-Skill Wages: Evidence from Spain 1989-2009

Banco de Espana Working Paper No. 1208
Number of pages: 51 Posted: 13 Feb 2012
Aitor Lacuesta, Sergio Puente and Ernesto Villanueva
Banco de España, Banco de España and Banco de España - Research Department
Downloads 66 (468,565)
Citation 53

Abstract:

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collective bargaining, human capital

14.

The Recent Slowdown of Bank Lending in Spain: Are Supply-Side Factors Relevant?

Banco de Espana Working Paper No. 1206
Number of pages: 50 Posted: 25 Jan 2012
Ignacio Hernando and Ernesto Villanueva
Banco de España and Banco de España - Research Department
Downloads 66 (468,565)
Citation 51

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Bank lending, bank capital, loan supply, instrumental variables

15.

Compensating Wage Differentials and Voluntary Job Changes: Evidence from West Germany

UPF Economics and Business Working Paper No. 738
Number of pages: 40 Posted: 12 Jul 2004
Ernesto Villanueva
Banco de España - Research Department
Downloads 66 (468,565)
Citation 3

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Wage level and structure, job satisfaction, compensation packages

Consumption and Initial Mortgage Conditions: Evidence from Survey Data

Banco de Espana Working Paper No. 1101
Number of pages: 63 Posted: 27 Mar 2011
Giacomo Masier and Ernesto Villanueva
affiliation not provided to SSRN and Banco de España - Research Department
Downloads 28 (672,459)
Citation 11

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Credit constraints, mortgages, household consumption

Consumption and Initial Mortgage Conditions: Evidence from Survey Data

ECB Working Paper No. 1297
Number of pages: 63 Posted: 15 Mar 2011
Giacomo Masier and Ernesto Villanueva
affiliation not provided to SSRN and Banco de España - Research Department
Downloads 25 (696,110)

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Credit constraints, mortgages, household consumption

17.

The Loan to Value Ratio for Housing in Spain Over the Period 2004-2016

Banco de Espana Article 2/19
Number of pages: 13 Posted: 12 Feb 2019
Olympia Bover, María Torrado and Ernesto Villanueva
Banco de España - Research Department, Banco de España and Banco de España - Research Department
Downloads 46 (551,979)
Citation 2

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mortgages, house prices, loan to value ratio

18.

Employment Risk and Household Formation: Evidence from Differences in Firing Costs

Banco de España Working Paper No. 0737
Number of pages: 51 Posted: 11 Dec 2007
Ernesto Villanueva and Mario García-Ferreira
Banco de España - Research Department and NERA Economic Consulting
Downloads 39 (587,681)
Citation 42

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Job security, household formation

19.

The Survey of Financial Competences (ECF): Description and Methods of the 2016 Wave

Banco de Espana Occasional Paper No. 1909 (2019)
Number of pages: 30 Posted: 31 May 2019
Olympia Bover, Laura Hospido and Ernesto Villanueva
Banco de España - Research Department, Banco de España - Research Department and Banco de España - Research Department
Downloads 35 (610,130)
Citation 17

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financial competences, personal finance, household finance, data collection, imputation, weights

20.

Human Capital Formation in the Labour Market

Banco de Espana Article 28/17
Number of pages: 11 Posted: 06 Dec 2017
Banco de España - Research Department, Banco de España, Banco de España and Banco de España - Research Department
Downloads 33 (622,028)

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21.

The Financial Position of the Workers Most Affected by the Pandemic: An Analysis Drawing on the Spanish Survey of Household Finances

Banco de Espana Article 23/20
Number of pages: 15 Posted: 30 Jul 2020
Pilar Alvargonzález, Myroslav Pidkuyko and Ernesto Villanueva
Banco de España, Banco de España and Banco de España - Research Department
Downloads 31 (634,537)

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COVID-19, inequality, individual and household income, teleworking, household finance.

22.

Wage Determination and the Bite of Collective Contracts in Italy and Spain: Evidence from the Metal Working Industry

Banco de Espana Working Paper No. 2036
Number of pages: 64 Posted: 29 Dec 2020 Last Revised: 14 Jan 2021
Effrosyni Adamopoulou and Ernesto Villanueva
University of Mannheim and IZA and Banco de España - Research Department
Downloads 28 (654,347)
Citation 24

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minimum wages, collective contracts, Social Security data, spot market, explicit contracts, wage cyclicality

23.

Personal Loan Rates and Household Characteristics: Spain Compared with Other Euro Area Countries

Banco de Espana Article 09/21
Number of pages: 10 Posted: 09 Apr 2021 Last Revised: 29 Apr 2021
Cristina Barcelo, Ernesto Villanueva and Elena Vozmediano
Banco de España, Banco de España - Research Department and Banco de España
Downloads 25 (676,226)

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interest rates, consumer loans, probability of job loss

24.

Analysis of Labor Flows and Consumption in Spain during COVID-19

Banco de Espana Occasional Paper No. 2202
Number of pages: 47 Posted: 21 Mar 2022
Banco de España, Banco de España, Banco de España, Banco de España and Banco de España - Research Department
Downloads 19 (723,476)

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consumption, expectations, labor market dynamics, coronavirus

25.

The Household Saving Rate in Spain Between 2007 and 2016: Decomposition by Population Group and Possible Determinants

Banco de Espana Article 34/19
Number of pages: 16 Posted: 17 Dec 2019
Brindusa Anghel, Cristina Barcelo and Ernesto Villanueva
Banco de España, Banco de España and Banco de España - Research Department
Downloads 19 (723,476)

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aggregate saving, distribution by household type, precautionary saving

26.

The Risk of Job Loss, Household Formation and Housing Demand: Evidence from Differences in Severance Payments

Banco de Espana Working Paper No. 1849
Number of pages: 67 Posted: 08 Jan 2019
Cristina Barcelo and Ernesto Villanueva
Banco de España and Banco de España - Research Department
Downloads 19 (723,476)
Citation 52

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job insecurity, household formation, housing investments

27.

Task Specialization and Cognitive Skills: Evidence from PIAAC and IALS

IZA Discussion Paper No. 13555
Number of pages: 54 Posted: 04 Aug 2020
Marta Martínez-Matute and Ernesto Villanueva
Syracuse University and Banco de España - Research Department
Downloads 14 (767,475)

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human capital, tasks, education, working experience, cognitive skills

28.

Wage Determination and the Bite of Collective Contracts in Italy and Spain: Evidence from the Metalworking Industry

IZA Discussion Paper No. 13542
Number of pages: 57 Posted: 04 Aug 2020 Last Revised: 06 Jun 2022
Effrosyni Adamopoulou and Ernesto Villanueva
University of Mannheim and IZA and Banco de España - Research Department
Downloads 7 (838,235)

Abstract:

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minimum wages, collective contracts, Social Security data, spot market, wage cyclicality, explicit contracts

29.

The Effect of Workplace Pension Schemes on Households' Private Savings

Banco de Espana Article Forthcoming
Number of pages: 17 Posted: 14 Jun 2022
Marina Gómez and Ernesto Villanueva
Banco de España and Banco de España - Research Department
Downloads 6 (849,290)

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workplace pension scheme, participants, net wealth, saving, financial asset wealth

30.

Estimating Compensating Wage Differentials Using Voluntary Job Changes: Evidence from Germany

Industrial and Labor Relations Review, Vol. 60, No. 4, 2007
Posted: 14 May 2011
Ernesto Villanueva
Banco de España - Research Department

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compensating wage differentials,voluntary job changes, Wage growth, Revealed preference