Study realised by Elsa Fornero (University of Torino, CeRP), Mariacristina Rossi (University of Roma, CeRP) and Claudio Morana (University of Turino)

Projec conducted by the OEE, the CEPS (Centre for European Policy Studies) and the PFRC (Personal Finance Research Centre, Université de Bristol) for the European Commission Directorate-General for Employment, Social Affairs and Equal Opportunities
For more informatio,, consul the European Commission Directorate-General website : Employment, Social Affairs & Inclusion

Study realised by D. Christelis (CSEF, University of Salerno), D. Georgarakos (Goethe University Frankfurt and CFS) and M. Haliassos (Goethe University Frankfurt, CFS, MEA)

Study realised by Michel Boutillier (EconomiX, Paris X Nanterre University & CNRS), Nathalie Lévy (Tours University & EconomiX) and Valérie Oheix (EconomiX, Paris X Nanterre University & CNRS)

Study realised by Wolfram J. Horneff (Goethe University), Raimond H. Maurer (Goethe University), Olivia S. Mitchell (The Wharton School
University of Pennsylvania), and Michael Z. Stamos (Goethe University)

Study reaised by Raphaëlle Bellando, Françoise Le Quéré, Franceline Mercurelli, Jean-Paul Pollin, Sébastien Ringuédé, Linh Tranh Dieu and Anne-Gaël Vaubourg, all members of the Laboratoire d’Economie d’Orléans (LEO) team

Study conducted by Yamina Tadjeddine (FORUM-Paris X) and a research team: Michel Aglietta (CEPII, FORUM), Nicolas Meisel (OECD), Sabine Montagne (IRIS, Paris IX), Valérie Rabault (BNP-Paribas)