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?:abstract
  • The West German Bausparkassen system consisits of savings and loan institutions providing exclusively to their savers loans toward purchasing a home. Thus, inflows correspond to outflows. The authors provide an analysis of the impacts of the Bausparkassensystem and its governmental subsidization on dedicated and general savings. Within cross-section microanalysis and a time-series macroanalysis they demonstrate the extent of savings activities in the system and the microstructure of system participation; the government subsidization heavily influences participation, but nevertheless participation also extends to housholds not eligible for subsidies; and that the very existence of the system contributes to overall saving activities. The paper is organized as follows. Section 2 describes the institutional working of the West German Bausparkassen system, in particular the government subsidies involved. Section 3 employes the 1978 and 1983 West German Income and Expenditure Survey ("Einkommens- und Verbrauchsstichprobe") for a microeconometric analysis of the proportion of wealth allocated to dedicated savings. Section 4 takes an aggregate view and analyzes time-series data to exploit the intertemporal variation of interest rates and government subsidies. The paper finishes with a short summery of conclusions. (xsd:string)
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?:comment
  • (Einkommens- und Verbrauchsstichprobe) (xsd:string)
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  • Einkommens- und Verbrauchsstichprobe-Bibliography (xsd:string)
?:dateModified
  • 1991 (xsd:gyear)
?:datePublished
  • 1991 (xsd:gyear)
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  • 265 (xsd:string)
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  • Do Dedicated Savings Increase Personal Savings and Housing Consumption? An Analysis of the German Bausparkassen System (xsd:string)
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  • article (xsd:string)
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  • Bibsonomy (xsd:string)
  • In Journal of Public Economics, 44, 265-297, 1991 (xsd:string)
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  • Einkommens- und Verbrauchsstichprobe (EVSti) (xsd:string)
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  • 1991 (xsd:string)
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  • 297 (xsd:string)
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  • 44 (xsd:string)