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1 - 10 van 13 voor consumers and dnb
doc211.pdf
... comments and suggestions jan derk brilman (fin), adam elbourne (cpb), sjef ederveen (ez), marco van hengel (dnb), michel heijdra (fin), johannes hers (fin), marco hoeberichts (dnb), jos jansen ... consumers and firms to smooth their liquidity needs. firms and consumers may unexpectedly need funds. for example, an unanticipated investment opportunity may present itself, equipment may brake down, and ...
cpb.nl
Microsoft Word - cpbdoc96
... final consumers and life insurance companies. the next sections discuss determinants of competition for the three actors in this vertical structure life insurance firms, financial intermediaries and consumers. ... . . . . . 8.9 a weighted averages. b sources own calculations based on isis (first five columns) and dnb (last column). 3.6 distribution channels financial intermediaries play an important ...
cpb.nl
health insurance competition pdf
... and allowed new health insurers to enter the market. however, there was hardly any switching of insurers by consumers and almost no competition between sickness funds. also in our data from 2007 and ... journal of health care finance and economics 8(4), pp. 225-244. dnb, 2008, dnb kwartaalberichten 2008, de nederlandsche bank, amsterdam. douven, r., h. lieverdink, m. ligthart and i. vermeulen, 2007, ...
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linkages between financial and real sector economy pdf
... elbourne (cpb), george gelauff (cpb), gabriele galati (dnb), ruud okker (cpb), bert smid (cpb), job swank (dnb), johan verbruggen (cpb) and the participants in the project seminar at ... investments and consumers' expenditures. the standard neoclassical firm would not constrain its investments through some natural limit if markets were to function perfectly. this is different with consumers. consumers ...
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Microsoft Word - memo153
... for consumers see mastrogiacomo (2006) and berben et al (2006). 5 exports of ict products. due to the terms of trade loss and ... k. bernoth and m. mastrogiacomo, households' response to wealth changes do gains or losses make a difference?, cpb discussion paper 63 and dnb working paper 90, http www.cpb.nl nl pub cpbreeksen discussie 63 . bonato, l. and l. lusinyan, 2004, ...
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memo221.pdf
... consumers maintain smaller buffers for leaner economic times and are willing to take on more debt, businesses take greater risks, which results in additional investments, and financers lend more to consumers and businesses ... other % gdp united states total % gdp a limited breaks in the series and 2006. source dnb. 17 in addition, the financial sector has become strongly internationalised in the ...
cpb.nl
new approach measuring competition loan markets euro area pdf
... social welfare, as it may push down prices (i.e. interest rates) and improves services for consumers and enterprises (cetorelli, 2001).2 also, competition is pivotal to monetary policy in a ... and growth', rome (december 2006) and seminars at dnb, ecb and bde for valuable comments and suggestions. the views expressed in this paper are personal and do not necessarily reflect those of the ecb, cpb, dnb ...
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Microsoft Word - cpbdoc210.doc
... (uvt), fabio castiglionesi (uvt), luc laeven (imf), melle bijlsma (dnb), francis weyzig (dnb) marco hengel (fin), raoul leerling (ez) and arne meeter (szw) for their valuable comments. 8 9 ... system, consisting of financial intermediaries and financial markets, intermediates between those with an excess of funds (for example consumers saving for future consumption) and those with a temporary lack ...
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testing consumers asymmetric reaction wealth changes pdf
... .76 december 2004. 9 netherlands make forecasts of consumption growth the dutch central bank (dnb) and the governmental agency netherlands bureau for economic policy analysis (cpb). both agencies have failed ... entry thresholds (see for instance bresnahan and reiss (1991)), which is hardly ever used to describe consumers' perceptions. in the table we show the thresholds and the results of some tests ...
cpb.nl
Microsoft Word - voorblad.docx
... increase the funding costs for firms and reduce the returns to investment for, e.g., consumers and pension funds. also, the tax will differentially affect instruments with long and short maturities or financial ... in 2010 equaled roughly 18.7 billion euro for the banks and minus 41 million losses incurred by insurers (source dnb statistics). large pension funds in the netherlands estimate that they ...
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