Borrowing
The most popular forms of household debt are mortgages, student loans, vehicle loans and credit card loans. Households borrow because of temporary fluctuations in income, investment in closely held businesses, consumption smoothing, behavioral biases and
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usehold Finance
A Functional Approach
Household Finance
Sumit Agarwal • Wenlan Qian • Ruth Tan
Household Finance A Functional Approach
Sumit Agarwal National University of Singapore Singapore, Singapore
Wenlan Qian National University of Singapore Singapore, Singapore
Ruth Tan National University of Singapore Singapore, Singapore
ISBN 978-981-15-5525-1 ISBN 978-981-15-5526-8 (eBook) https://doi.org/10.1007/978-981-15-5526-8 © The Editor(s) (if applicable) and The Author(s), under exclusive licence to Springer Nature Singapore Pte Ltd. 2020 This work is subject to copyright. All rights are solely and exclusively licensed by the Publisher, whether the whole or part of the material is concerned, specifically the rights of translation, reprinting, reuse of illustrations, recitation, broadcasting, reproduction on microfilms or in any other physical way, and transmission or information storage and retrieval, electronic adaptation, computer software, or by similar or dissimilar methodology now known or hereafter developed. The use of general descriptive names, registered names, trademarks, service marks, etc. in this publication does not imply, even in the absence of a specific statement, that such names are exempt from the relevant protective laws and regulations and therefore free for general use. The publisher, the authors and the editors are safe to assume that the advice and information in this book are believed to be true and accurate at the date of publication. Neither the publisher nor the authors or the editors give a warranty, expressed or implied, with respect to the material contained herein or for any errors or omissions that may have been made. The publisher remains neutral with regard to jurisdictional claims in published maps and institutional affiliations. This Palgrave Macmillan imprint is published by the registered company Springer Nature Singapore Pte Ltd. The registered company address is: 152 Beach Road, #21-01/04 Gateway East, Singapore 189721, Singapore
Acknowledgments
The authors thank Chun Weng Boey, Wai Leng Boey and Marshall Too for research assistance and Jolene Bay, Sue Chua, Kai Xiang Lim, Brandon Low, Jiaxin Song and Joel Yeo for editorial assistance. They also thank Daniel Aaronson, Andrew Abel, Facundo Abraham, Katharine Abraham, Darron Acemoglu, Pablo Acosta, Morse Adair, Dale Adams, Gerard Adams, William Adams, Manuel Adelino, Saman Adhami, Jeroen Aerts, Philippe Aghion, Shalu Agrawal, Mark Aguiar, Haseeb Ahmed, Javed Ahmed, George Akerlof, Stefania Albanesi, Rob Alessie, Horatio Alger, Anari Ali, Franklin Allen, Jason Allen, Johan Almenberg, Kumar Alok, Shashwat Alok, Adrian Alter, Fernando Alvarez, Brent Ambrose, Sandro Ambuehl, Gene Amromin, Gombavic Ana, Kanin Anantanasuwong, Steffen Andersen, Anders Anderson, Drew Anderson, Siwan Anderson, Albert Ando, Kazuya Ando, Brown Andres, Coleman Andrew, Marianne Andries, Marco Angrisani, Lunn Anna, Sophia Anong, Saniya Ansar, Masahiko Aoki, Lindsey Appleyard, Jean Arcand, Wayne Archer, Shirley Ardener, Hal Arkes, Luc Arrond
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