Ernesto Villanueva

Banco de España - Research Department

Alcala 50

28014 Madrid

Spain

SCHOLARLY PAPERS

23

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1,487

SSRN CITATIONS
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Top 1,574

in Total Papers Citations

72

CROSSREF CITATIONS

608

Scholarly Papers (23)

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 154 (201,050)
Citation 53

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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 37 (467,299)

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financial education, impact evaluation, selection bias

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 68 (354,555)
Citation 31

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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 45 (432,809)
Citation 33

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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 32 (491,633)

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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 9 (643,298)

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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

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 112 (258,057)
Citation 5

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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 17 (585,697)

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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

4.

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 123 (239,899)
Citation 48

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pension funds, tax incentives, savings

5.

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 123 (239,899)

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Consumer borrowing, subsidies, quasi-natural experiment

6.

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 104 (270,471)
Citation 48

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Living arrangements, Family Structure, Credit Markets

7.

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 84 (310,453)
Citation 11

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Altruism, imperfect information, intervivos transfers

8.

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 68 (350,353)
Citation 2

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

9.

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 66 (355,852)
Citation 3

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collective bargaining, labor demand, aggregate shock, wage rigidity

10.

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 63 (364,588)
Citation 50

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Bank lending, bank capital, loan supply, instrumental variables

11.
Downloads 62 (367,563)
Citation 6

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 39 (458,352)

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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 Jul 2003
Joseph G. Altonji and Ernesto Villanueva
Yale University - Economic Growth Center and Banco de España - Research Department
Downloads 23 (545,092)
Citation 1

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12.

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 55 (389,623)
Citation 66

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precautionary savings, household wealth and consumption, labor firing costs

13.

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 55 (389,623)
Citation 3

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Wage level and structure, job satisfaction, compensation packages

14.

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 52 (399,555)
Citation 51

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collective bargaining, human capital

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 19 (571,959)

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Credit constraints, mortgages, household consumption

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 19 (571,959)
Citation 11

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Credit constraints, mortgages, household consumption

16.

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 34 (470,150)
Citation 42

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Job security, household formation

17.

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 29 (494,396)

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18.

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 28 (499,806)
Citation 2

Abstract:

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mortgages, house prices, loan to value ratio

19.

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 12 (597,230)
Citation 50

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job insecurity, household formation, housing investments

20.

Inter Vivos Transfers and Bequests in Three OECD Countries

Economic Policy, Vol. 20, No. 43, pp. 505-565, July 2005
Number of pages: 60 Posted: 05 Aug 2005
Ernesto Villanueva
Banco de España - Research Department
Downloads 11 (603,802)
Citation 1
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21.

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 5 (644,609)
Citation 7

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

22.

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
Foundation for Applied Economic Research (FEDEA), Banco de España and Banco de España - Research Department
Downloads 1 (681,130)

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aggregate saving, distribution by household type, precautionary saving

23.

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