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Driver hushållens skulder konsumtionen?: En jämförande studie av Sverige, Norge, Danmark och Finland
Linköping University, Department of Management and Engineering, Economics. Linköping University, Faculty of Arts and Sciences.
Linköping University, Department of Management and Engineering, Economics. Linköping University, Faculty of Arts and Sciences.
2014 (Swedish)Independent thesis Basic level (degree of Bachelor), 10 credits / 15 HE creditsStudent thesisAlternative title
Does the debt ratio raise consumption? (English)
Abstract [en]

The consumption levels in Sweden, Denmark, Finland and Norway have been rising fo r the last decade. Even after the financial crisis of 2008, consumption levels continued their upward trend, regardless of the recession. The explanation seems to be, at least partly, that households tends to increase their debt ratio in order to continue the same standard of living as before in terms of consumption. It is clear, based of our results, that there is a connection between increased consumption and debt ratio for households. And the consequences of allowing loans to finance a sustained or increasing consumption may ultimately be difficult to manage. This paper compares Sweden, Norway, Finland and Denmark to analyze if it is possible to see differences in how debt has affected the consumption since the millennium until 2012. Three different regression models were specified to analyze the data.

Abstract [sv]

Konsumtionsutvecklingen för Sverige, Danmark, Finland och Norge har varit stigande under det senaste decenniet. Även efter finanskrisen 2008 har konsumtionsnivåerna fortsatt sin ökande trend, oavsett konjunktur. Förklaringen verkar åtminstone delvis ligga i att konsumtionen finansieras genom att hushållen ökar sin skuldkvot för att fortsätta på samma levnadsnivå som tidigare. Det framgår av våra resultat att det finns samband mellan den ökade konsumtionen och skuldkvoten för hushållen, och konsekvenserna av att låta lån driva en bibehållen eller ökande konsumtion kan i längden vara svåra att hantera. I uppsatsen jämförs Sverige, Norge, Finland och Danmark för att se om det finns skillnader i hur skuldkvoten har påverkat konsumtionen sedan millennieskiftet fram till 2012. Tre olika regressionsmodeller specificerades för att analysera inhämtade data, där permanenta inkomsthypotesen utgör grunden för valet av variabler.

Place, publisher, year, edition, pages
2014. , 65 p.
Keyword [sv]
hushållens skuldkvot, privat konsumtion, tidsserieanalys, skuldsättning
National Category
URN: urn:nbn:se:liu:diva-111324ISRN: LIU-IEI-FIL-G--14/01212--SEOAI: diva2:755289
Subject / course
Bachelor Thesis in Economics
2014-06-05, 13:07 (Swedish)
Available from: 2014-10-14 Created: 2014-10-14 Last updated: 2014-10-14Bibliographically approved

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Holmstedt Thomasson Driver hushållens skulder konsumtionen(1835 kB)217 downloads
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Holmstedt, AntonThomasson, Jesper
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