In this paper, the relationship between financial literacy and household consumption is empirically analyzed by using The Chinese Family Micro Database (CHFS), structure of households subdivided into survival consumption, development enjoyment respectively, to study impact on different structures. mediating effect credit constraint factors studied moderating digital finance explored. results sh...

We estimate the relationship between household mortgage debt and consumption for period 2006 to 2015. Using Dutch administrative data, we find that average of households with high prior financial crisis has decreased much more during than other households. also willingness or ability among use new finance one-off crisis. On macro-level, drop in is predominantly driven by who were already debt. ...

This paper studies the regional consumption of household water in Spain period 2000–2018. The use methodology proposed by Phillips and Sul allows us to conclude that there is no single pattern behavior across Spanish regions. By contrast, we can determine existence three convergence clubs, confirming serious disparities consumption. Navarra, País Vasco, La Rioja, Cataluña are included club show...

This paper presents a multi-agent model and simulator for the investigation of inhabitants’ behaviour in relation with energy consumption in a household, at a fine-grain level. We present the meta-model that allows non-computer specialists to define the household activities, and the SMACH simulator that helps specialists analyse behaviour and manage and control energy consumption. We illustrate...