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Eine Analyse der Wohnungsbauprämienförderung aus empirischer Sicht
Rotfuß, Waldemar | Westerheide, Peter
Credit and Capital Markets – Kredit und Kapital, Vol. 43 (2010), Iss. 1 : pp. 97–123
4 Citations (CrossRef)
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Waldemar Rotfuß, ZEW Zentrum für Europäische Wirtschaftsforschung GmbH, Forschungsbereich Internationale Finanzmärkte und Finanzmanagement, Postfach 103443, D-68034 Mannheim.
Dr. Peter Westerheide, ZEW Zentrum für Europäische Wirtschaftsforschung GmbH, Forschungsbereich Internationale Finanzmärkte und Finanzmanagement, Postfach 103443, D-68034 Mannheim.
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How Can Banks Effectively Stabilize Their Retail Customers’ Saving Behavior? The Impact of Contractual Rewards on Saving Persistence and Cash Flow Volatility
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Abstract
An Empirical Analysis of Promotion Through Building Saving Premiums
This article integrates the promotion of building saving into the current housing policy background and studies its effects in empirical terms. We have used microeconomic cross-sectional analyses of the income and consumption surveys to point out significant interrelations between saving premiums, building saving and total general savings. Our findings indicate in particular that no noticeable crowding-out effects on other forms of saving have been observed to emanate from the promotion of building saving. Moreover, the results of an additional sample show that substantial stimulating effects have emanated from the saving premium in spite of the fact that it is small in amount. Apart from that, these results also show that by far the better part of the disbursements made under building saving contracts have been used to fund expenditures with focuses on modernization and modification of residential buildings.