4  Mian, Atif and Amir Sufi (2009), “The Consequences of Mortgage Credit Expansion: Evidence from the U.S. Mortgage Default Crisis,” The Quarterly Journal of Economics, MIT Press, vol. 124(4), pages 1449–1496, November. 5  Girouard, N., M. Kennedy and C. André (2006), “Has the Rise in Debt Made Households More Vulnerable?”, OECD Economics Department Working Papers, No. 535, OECD Publishing.
6  Guiso, L., M. Haliassos and T. Jappelli (2002), Household Portfolios, Cambridge: MIT Press. 7  Lusardi, A. (2010), “The importance of financial literacy”, Presentation to the Conference on Household Finance and Consumption, Luxembourg City, 25–26 October 2010. 2  BIS central bankers’ speeches  Another advantage of survey data is the possibility of collecting information on households’ attitudes, beliefs and expectations.