Arbeitspapier
Payment habits of the Hungarian households in 2020
The transition from the state ownership to market mechanisms in Hungary fundamentally altered the geography of domestic micro, small, and medium enterprises (SMEs). This study investigates the spatial and temporal evolution of owner numbers, using data on all Hungarian SMEs between 1991 and 2019 and across 175 regional districts. Then it explores the relationship between the number of owners and the probability of credit default by joining data from the Credit Registry (KHR) for the period between 2007 and 2019. The number of owners at an average SME sank from four in 1991 to two in 2019, with consistently higher averages in less populated regions. Meanwhile, SMEs with one owner only have up to twice as high credit default probability as SMEs with more owners over all geographies in all years. Therefore, regionally varying ownership structures mean regionally differing ownership and management practices and hence risk levels. These could be mitigated with targeted regional policy measures.
- Sprache
-
Englisch
- Erschienen in
-
Series: MNB Occasional Papers ; No. 143
- Klassifikation
-
Wirtschaft
Multiple or Simultaneous Equation Models: Classification Methods; Cluster Analysis; Principal Components; Factor Models
Consumer Economics: Empirical Analysis
Household Saving; Personal Finance
Monetary Systems; Standards; Regimes; Government and the Monetary System; Payment Systems
- Thema
-
retail payments
payment habits
household behaviour
electronic payment methods
financial integration
- Ereignis
-
Geistige Schöpfung
- (wer)
-
Deák, Vivien
Nemecskó, István
Végső, Tamás
- Ereignis
-
Veröffentlichung
- (wer)
-
Magyar Nemzeti Bank
- (wo)
-
Budapest
- (wann)
-
2021
- Handle
- Letzte Aktualisierung
-
10.03.2025, 11:43 MEZ
Datenpartner
ZBW - Deutsche Zentralbibliothek für Wirtschaftswissenschaften - Leibniz-Informationszentrum Wirtschaft. Bei Fragen zum Objekt wenden Sie sich bitte an den Datenpartner.
Objekttyp
- Arbeitspapier
Beteiligte
- Deák, Vivien
- Nemecskó, István
- Végső, Tamás
- Magyar Nemzeti Bank
Entstanden
- 2021
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