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Differential Effect on the Determinants of the Late Payments According to the Economic Cycle

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Differential Effect on the Determinants of the Late Payments According to the Economic Cycle

dc.contributor.author	Climent Serrano, Salvador
dc.contributor.author	Bustos Contell, Elisabeth
dc.contributor.author	Labatut Serer, Gregorio
dc.date.accessioned	2019-01-15T09:10:24Z
dc.date.available	2019-01-15T09:10:24Z
dc.date.issued	2019
dc.identifier.citation	Climent Serrano, Salvador Bustos Contell, Elisabeth Labatut Serer, Gregorio 2019 Differential Effect on the Determinants of the Late Payments According to the Economic Cycle Journal of Business Administration Research 8 1 14 28
dc.identifier.uri	http://hdl.handle.net/10550/68475
dc.description.abstract	From 2004 to 2007, the Spanish financial system grew at a very rapid rate. However, from 2008 to 2012 impairment losses amounted equivalent to 25% of Spanish GDP. The objective of this paper is investigate how have affected the main problems that have suffered the Spanish economy on the late payments on Spanish credit institutions. And to check whether the effect of these problems is different on stages of growth with respect to the stages of crisis. The main results, according the test Chow, confirmed that there is a structural break in the model in 2007. Also the increase in unemployment increases the late payments and this increase is greater in the stages of growth compared to the stages of recession. The decrease in the price of housing increases the late payments. The increase in equity decreases the late payments, in these two variables decrease is greater in the recession stages compared to the growth stages.
dc.language.iso	eng
dc.relation.ispartof	Journal of Business Administration Research, 2019, vol. 8, num. 1, p. 14-28
dc.subject	Bancs hipotecaris
dc.subject	Atur
dc.subject	Habitatge Finançament
dc.subject	Préstecs hipotecaris d'alt risc
dc.title	Differential Effect on the Determinants of the Late Payments According to the Economic Cycle
dc.type	journal article	es_ES
dc.date.updated	2019-01-15T09:10:24Z
dc.identifier.idgrec	129217
dc.rights.accessRights	open access	es_ES