This paper focuses on the consumer credit market in Italy and the related risk of over-indebtedness. Using panel data from the Survey on Household Income and Wealth, we investigate the role of households financial fragility on the use and increase in consumer debt over time, evaluating, in particular, whether there exists a statistically significant relationship between the growth in the use of consumer credit and the increase in the proportion of indebted households that are in a negative financial situation.

中文翻译：

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消费者债务和金融脆弱性：来自意大利的证据

本文重点研究意大利的消费信贷市场以及相关的过度负债风险。使用来自家庭收入和财富调查的面板数据，我们调查了家庭财务脆弱性对消费债务使用和增加的作用，特别是评估使用增长之间是否存在统计上的显着关系消费信贷和处于负财务状况的负债家庭比例增加。