The Great Recession and Credit Trends across Income Groups
研究了大衰退前后不同收入群体在抵押贷款、汽车贷款和学生贷款等信贷市场的使用趋势，分析新进入者增长率及县内差异，揭示经济衰退对各类收入群体财务健康的影响。
In this paper, we document trends in credit use across income groups in the period surrounding the Great Recession. We investigate trends in access to different credit markets, including mortgages, home equity, automobiles, and student loans. We disentangle growth rates of new market entrants from the aggregates and analyze overall as well as within-county growth rate differentials across income strata. Our findings may provide insight into the financial well-being of different income groups in the context of the Great Recession.