Ernesto Villanueva

Banco de España - Research Department

Alcala 50

28014 Madrid

Spain

SCHOLARLY PAPERS

22

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CITATIONS
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34

Scholarly Papers (22)

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 121 (228,361)

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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 34 (451,007)

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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 59 (357,940)

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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 42 (417,081)

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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 30 (470,353)

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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 6 (620,874)

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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

3.

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 121 (227,398)
Citation 2

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Consumer borrowing, subsidies, quasi-natural experiment

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 113 (239,126)
Citation 1

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pension funds, tax incentives, savings

5.

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 99 (262,131)
Citation 6

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Living arrangements, Family Structure, Credit Markets

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 66 (337,696)

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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 15 (561,017)

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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

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 79 (301,720)
Citation 8

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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 64 (338,940)

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

9.

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 (341,729)
Citation 1

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Bank lending, bank capital, loan supply, instrumental variables

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 59 (352,954)

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collective bargaining, labor demand, aggregate shock, wage rigidity

11.
Downloads 56 (362,018)
Citation 4

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 36 (442,176)
Citation 4

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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 20 (529,010)
Citation 4

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12.

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 53 (371,364)
Citation 4

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Wage level and structure, job satisfaction, compensation packages

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 50 (380,996)
Citation 1

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collective bargaining, human capital

14.

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 47 (391,205)
Citation 2

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precautionary savings, household wealth and consumption, labor firing costs

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 (535,431)

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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 17 (548,205)

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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 33 (444,831)
Citation 2

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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 27 (473,106)

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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 17 (528,880)

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mortgages, house prices, loan to value ratio

19.

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 (564,005)
Citation 3
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20.

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 5 (600,938)

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job insecurity, household formation, housing investments

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 1 (637,336)

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

22.

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