Household Finance

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Household Finance

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Author : Sumit Agarwal
language : en
Publisher: Springer Nature
Release Date : 2020-10-07

Household Finance written by Sumit Agarwal and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020-10-07 with Business & Economics categories.

Household finance studies is a relatively recent field, exploring a growing understanding of how households make financial decisions relating to the functions of consumption, payment, risk management, borrowing and investing; how institutions provide goods and services to satisfy these financial functions of households; and how interventions by firms, governments and other parties affect the provision of financial services. This timely book analyses existing findings about household behavior as well as findings related to policy interventions. With international case studies, this book reviews a topic of global importance and brings a crucial up-to-date survey of the field for researchers and postgraduate students.

Household Finance

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Author : Richard Deaves
language : en
Publisher: Oxford University Press
Release Date : 2024

Household Finance written by Richard Deaves and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024 with Business & Economics categories.

Household Finance: An Introduction to Individual Financial Behavior speaks to both how people should and how people actually do make financial decisions, and how these financial decisions contribute to and detract from their well-being. Households must plan over long but finite horizons, have important nontraded assets, notably human capital; hold illiquid assets, particularly housing; face constraints on the ability to borrow; and are subject to complex taxation. Some households manage these goals and challenges independently, while still others delegate portfolio management. Household financial problems have many special features that differ from firms, investors, or the functioning of markets.Author Richard Deaves covers the broad range of choices and goals in household finance both in the normative sense (i.e., what is best) based on conventional financial theory and in the positive sense (i.e., what is actually done) based on observing actual behavior. While modern finance builds models of behavior and markets based on strong assumptions such as the rationality of decision-makers, behavioral finance is based on the view that sometimes people behave in a less-than-fully-rational fashion when making financial decisions. Deaves addresses important issues and puzzles in the field such as financial illiteracy, whether education and advice can improve outcomes, intertemporal consumption optimization, consumption smoothing, optimal dynamic risk-taking, the stock market participation puzzle, the credit card debt puzzle, anomalous insurance decisions, mortgage choices, skewness preference, investments driven by availability and attention, local and home bias, the disposition effect, optimal pension design and improving outcomes through nudging in a thoroughly international approach.

Personal Finance

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Author : Elvin F. Donaldson
language : en
Publisher:
Release Date : 1961

Personal Finance written by Elvin F. Donaldson and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1961 with Finance, Personal categories.

Household Finance

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Author : Francisco J. Gomes
language : en
Publisher:
Release Date : 2020

Household Finance written by Francisco J. Gomes and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2020 with Finance, Personal categories.

Household financial decisions are complex, interdependent, and heterogeneous, and central to the functioning of the financial system. We present an overview of the rapidly expanding literature on household finance (with some important exceptions) and suggest directions for future research. We begin with the theory and empirics of asset market participation and asset allocation over the lifecycle. We then discuss household choices in insurance markets, trading behavior, decisions on retirement saving, and financial choices by retirees. We survey research on liabilities, including mortgage choice, refinancing, and default, and household behavior in unsecured credit markets, including credit cards and payday lending. We then connect the household to its social environment, including peer effects, cultural and hereditary factors, intra-household financial decision making, financial literacy, cognition and educational interventions. We also discuss literature on the provision and consumption of financial advice.

Household Financial Management

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Author : Sumit Agarwal
language : en
Publisher: World Scientific
Release Date : 2023-10-18

Household Financial Management written by Sumit Agarwal and has been published by World Scientific this book supported file pdf, txt, epub, kindle and other format this book has been release on 2023-10-18 with Business & Economics categories.

This book is dedicated to showcasing the importance of household financial management through the lens of academic research, with the goal of enhancing the financial well-being of individuals.Through an exploration of households' financial choices over their lifecycle, the book aims to provide a comprehensive understanding of households' financial decision-making processes, grounded in economic models, policies, and data.This holistic perspective encompasses an awareness of the functioning of different market types and an appreciation of various cognitive and behavioral biases. As a result, readers would be better positioned to make informed financial choices.By further integrating theories and empirical evidence from economics and finance, the book provides readers with insights into actions they can take to circumvent common financial pitfalls and offers solutions for effectively addressing them.

Household Finance

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Author :
language : en
Publisher:
Release Date :

Household Finance written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on with Finance, Personal categories.

Since its emergence in the 1980s, the subject of Household Finance has rapidly grown into a critical area of economic focus. Research, policy and practitioner interest has increased as household portfolios have become more complicated in response to financial innovation and new challenges in retirement financing. Whilst the earliest research was initially focussed on the limited tendency to hold stocks and diversify risk, recent work has developed into a broader exploration of the challenges posed by limited financial literacy, cognition, behavioural biases and cultural predispositions, and the ways to overcome them through financial education, advice, institutional reform and regulation. Including an original introduction by the editor, Household Finance brings together the most essential papers on the subject together in a comprehensive three-volume collection, and will be an invaluable resource for researchers - including practitioners with an interest in research - and students alike.

The Household Finance Issues In China

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Author : Sibo Zhao
language : en
Publisher: Springer
Release Date : 2024-04-20

The Household Finance Issues In China written by Sibo Zhao and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2024-04-20 with Business & Economics categories.

This book systematically studies and discusses pertinent issues related to household finance in China. This book not only elucidates the concept and connotation of household finance, but also extensively examines the significance and necessity of enhancing household finance and upholding household financial well-being. Drawing upon theories from economics, psychology, sociology, and behavioral finance, it conducts a quantitative analysis of family finance and its influencing factors by constructing models such as Probit model, Tobit model, and APC model to empirically test the underlying mediation mechanism. In addition, from the perspective of inclusive finance development and safeguarding the rights and interests of financial consumers, this book expounds on its profound impact on household finance. This book is a valuable reference for researchers in related fields, and it also provides some insights into residents’ and families’ awareness of financial health. Furthermore, it aids in formulating and improving consumption policies, adjusting economic structures, and preventing household financial risks. This research provides valuable guidance for enhancing family welfare and increasing property income for Chinese residents.

Household Economics

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Author : Helen Campbell
language : en
Publisher:
Release Date : 1897

Household Economics written by Helen Campbell and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1897 with Families categories.

Household Finance

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Author : Luigi Guiso
language : en
Publisher:
Release Date : 2012

Household Finance written by Luigi Guiso and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012 with Finance, Personal categories.

Household finance - the normative and positive study of how households use financial markets to achieve their objectives - has gained a lot of attention over the past decade and has become a field with its own identity, style and agenda. In this paper we review its evolution and most recent developments.

Annual Report Of The Superintendent Of The Banking Department Of The State Of New York

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Author : New York (State). Banking Department
language : en
Publisher:
Release Date : 1944

Annual Report Of The Superintendent Of The Banking Department Of The State Of New York written by New York (State). Banking Department and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1944 with Banks and banking categories.

Vols. for , 1881, 1887,1926, 1928, 1931, 1934, 1936-38 issued also without detailed statement.