No. 839 - Improving survey information on household debt using granular credit databases

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by Antonietta di Salvatore and Mirko MoscatelliMarch 2024

The paper studies the extent to which the integration of the survey information on household debt collected in the Survey on Italian Household Income and Wealth and the granular data available in the registers of loans granted by banks and other financial intermediaries can provide a more complete picture of the debt situation of Italian households.

The work shows that integration between the two sources significantly improves the information on Italian household debt. Specifically, this integration provides a higher estimate of the share of indebted households and of the total debt held by them compared with what is found in survey information alone.