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Credit Consumption and Financial Risk Among Danish Households— A Register-Based Study of the Distribution of Bank and Credit Card Debt
Journal of Consumer Policy ( IF 1.4 ) Pub Date : 2021-04-10 , DOI: 10.1007/s10603-021-09485-1
P. Hohnen , A. Rhiger Hansen

This article discusses the distribution of widely used consumer loans in Denmark in the light of the “risk position” in which this places Danish households. Denmark has the highest debt-to-income ratio of all OECD countries, yet the high level of consumer debt has received relatively little political attention in Denmark and the social and legal protection of citizens with debt problems is limited. This article presents findings from an empirical study that investigated the distribution of consumer loans in Denmark. Drawing on the notion of “risk position,” the article challenges the idea that only socially marginal groups are at risk of getting into debt problems. The empirical study analysed the sociodemographic distribution of two common types of loan in Denmark (bank loans and credit card debt) based on the administrative register data of a full population of individuals. Register-based data provide much more reliable measures of debt than self-reported surveys, because of non-response problems in surveys. The results show not only high debt levels among hitherto known vulnerable social groups, but also highlight groups of middle- and higher-income wage earners with very high levels of debt. We frame the results in the light of existing policy measures in Denmark and suggest the need for a better balance between deregulation of credit markets and individualization of debt problems on the one hand and the need for political protection of individual loan takers on the other.



中文翻译:

丹麦家庭的信贷消费和金融风险-基于登记的银行和信用卡债务分配研究

本文根据丹麦家庭所处的“风险状况”,讨论了丹麦广泛使用的消费贷款的分布。丹麦是所有经合组织国家中债务与收入比率最高的国家,然而,高水平的消费者债务在丹麦受到的政治关注相对较少,而且存在债务问题的公民的社会和法律保护也受到限制。本文介绍了一项实证研究的结果,该实证研究调查了丹麦的消费者贷款分布。文章以“风险状况”为概念,对只有社会边缘群体才有陷入债务问题的风险这一观念提出了挑战。实证研究基于全部人口的行政登记数据,分析了丹麦两种常见类型的贷款(银行贷款和信用卡债务)的社会人口统计学分布。由于调查中的无答复问题,基于寄存器的数据比自我报告的调查提供了更可靠的债务衡量标准。结果表明,不仅迄今为止已知的脆弱社会群体中的债务水平很高,而且还突出显示了债务水平很高的中等收入和高收入工薪阶层。我们根据丹麦现有的政策措施来确定结果,并建议一方面要在信贷市场的放松管制与债务问题的个体化之间取得更好的平衡,另一方面又需要对个人贷款接受者进行政治保护。由于调查中的无答复问题,基于寄存器的数据比自我报告的调查提供了更可靠的债务衡量标准。结果表明,不仅迄今为止已知的脆弱社会群体中的债务水平很高,而且还突出显示了债务水平很高的中等收入和高收入工薪阶层。我们根据丹麦现有的政策措施来确定结果,并建议一方面要在信贷市场的放松管制与债务问题的个体化之间取得更好的平衡,另一方面又需要对个人贷款接受者进行政治保护。由于调查中的无答复问题,基于寄存器的数据比自我报告的调查提供了更可靠的债务衡量标准。结果表明,不仅迄今为止已知的脆弱社会群体中的债务水平很高,而且还突出显示了债务水平很高的中等收入和高收入工薪阶层。我们根据丹麦现有的政策措施来确定结果,并建议一方面要在信贷市场的放松管制与债务问题的个体化之间取得更好的平衡,另一方面又需要对个人贷款接受者进行政治保护。但也要突出显示负债水平很高的中等收入和高收入的工薪阶层。我们根据丹麦现有的政策措施来确定结果,并建议一方面要在信贷市场放松管制和债务问题的个体化之间取得更好的平衡,另一方面又需要对个人贷款接受者进行政治保护。但也要突出显示负债水平很高的中等收入和高收入的工薪阶层。我们根据丹麦现有的政策措施来确定结果,并建议一方面要在信贷市场的放松管制与债务问题的个体化之间取得更好的平衡,另一方面又需要对个人贷款接受者进行政治保护。

更新日期:2021-04-11
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