AT THE FOREFRONT OF KNOWLEDGE

Publications

Resilience/vulnerability of Spanish households in the face of COVID-19. Disparities in the distribution and composition of savings in Europe

This report is entirely unique to date, boasting unprecedented scope, and a singular focus. It includes a detailed analysis of a survey of families’ finances and spending habits in six countries: Germany, Belgium, Spain, France, Italy and Portugal.

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SAVINGS, INVESTMENTS, BEAHAVIOUR AND BEHAVIOURAL BIASES
Research Report

Determinants of the behaviour of the Spanish population with regard to saving and investment

This report compiles information on current and/or potential investors and their attitudes and knowledge, data of great interest to financial institutions.

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SAVINGS, INVESTMENT, FINANCIAL LITERACY, BEHAVIOUR AND BEHAVIOURAL BIASES
Research Report

The training of the financial advisor in the insurance and financial industry. The path to the client's financial education

The responsibility of the entities begins with the adequate training of their employees and this is recognized by the European regulation, through the MIFID II and IDD directives.

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FINANCIAL LITERACY
Artículo divulgativo

Financial illiteracy, motivations and barriers to saving and investing by spanish households

Obtaining a basic knowledge of financial concepts is a prerequisite for people to make good decisions about their financial resources.

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FINANCIAL LITERACY, SAVINGS, INVESTMENT, BEHAVIOUR AND BEHAVIOURAL BIASES
Book Chapter

The effect of financial literacy on trust: do financially literate individuals have more trust in the financial system?

This study analyses the effect of financial literacy on individuals' trust in the financial system as a whole, as well as in banking institutions.

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FINANCIAL LITERACY, SAVINGS, INVESTMENT
Working Paper

The “German Saver” and the low policy rate environment

This paper analyses empirically how the low interest rate environment of the German economy has affected households, both on the savings and the lending side.

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SAVINGS, INVESTMENT, MACROECONOMICS, POLICY AND REGULATION
Research Report

There is an urgent need to promote a culture of responsible saving in Spain

Spaniards save in crisis rather than in good times. We need fiscal and monetary policies that promote rational finances.

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SAVINGS, MACROECONOMICS, POLICY AND REGULATION
Press publications