Study conducted by Nicola Fuchs-Schuendeln (Goethe University Frankfurt, CFS, CEPR and NBER) and Michael Haliassos (Goethe University Frankfurt, CFS, CEPR and NETSPAR)

Study conducted by Tullio Jappelli (University of Naples Federico II, CSEF and CEPR) and Mario Padula (Ca’ Foscari University of Venice, CSEF et CEPR)

Study realised by Flavia Coda Moscarola, Elsa Fornero, Agnese Romiti, Mariacristina Rossi, Dario Sansone, Maria Cesira Urzì Brancati (Turin University and CeRP-Collegio Carlo Alberto)

Didier Davydoff (OEE), with Laetitia Gabaut (OEE) and Li Qin-Kuhry (IODS), at the demand of the Fédération Bancaire Française (FBF)

Study realised by Philippe Bertrand (GREQAM, Aix – Marseille 2 University) and Jean-Luc Prigent (THEMA, Cergy-Pontoise University)

Study conducted by Phillipe Bertrand (GREQAM, Aix – Marseille 2 University and Jean-Luc Prigent (THEMA, Cergy – Pontoise University)