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Household Borrowing High and Lending Low: Neoclassical v. Behavioral Explanations

Household Borrowing High and Lending Low: Neoclassical v. Behavioral Explanations. Jonathan Zinman Dartmouth College October 26, 2006. Motivation. Average U.S. credit card holder spends about $100 per year by: Borrowing high on credit cards Lending low in demand deposit accounts

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Household Borrowing High and Lending Low: Neoclassical v. Behavioral Explanations