Anson T. Y. Ho - Latest - Bank of Canada
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Bank of Canada RSS Feedsen2024-03-29T07:08:39+00:00We Didn’t Start the Fire: Effects of a Natural Disaster on Consumers’ Financial Distress
https://www.bankofcanada.ca/2023/02/staff-working-paper-2023-15/
We use detailed consumer credit data to investigate the impact of the 2016 Fort McMurray wildfire, the costliest wildfire disaster in Canadian history, on consumers’ financial stress. We focus on the arrears of insured mortgages because of their important implications for financial institutions and insurers’ business risk and relevant management practices.2023-02-28T14:59:47+00:00enWe Didn’t Start the Fire: Effects of a Natural Disaster on Consumers’ Financial Distress2023-02-28Climate changeCredit and credit aggregatesEconometric and statistical methodsFinancial stabilityStaff Working Paper 2023-15https://www.bankofcanada.ca/wp-content/uploads/2023/02/swp2023-15.pdfStaff Working Paper 2023-15Anson T. Y. HoKim HuynhDavid T. Jacho-ChávezGeneviève ValléeFebruary 2023CC2C21DD1D12GG2G21QQ5Q54Household indebtedness risks in the wake of COVID‑19
https://www.bankofcanada.ca/2020/06/staff-analytical-note-2020-8/
COVID-19 presents challenges for indebted households. We assess these by drawing parallels between pandemics and natural disasters. Taking into account the financial health of the household sector when the pandemic began, we run model simulations to illustrate how payment deferrals and the labour market recovery will affect mortgage defaults.2020-06-05T10:00:32+00:00enHousehold indebtedness risks in the wake of COVID‑192020-06-05Home Equity Extraction and Household Spending in Canada
https://www.bankofcanada.ca/2019/09/staff-analytical-note-2019-27/
We use rich microdata to measure home equity extraction in Canada and track its evolution over time. We find home equity extraction has been rising in recent years and has likely contributed materially to dynamics in household spending.2019-09-20T06:00:07+00:00enHome Equity Extraction and Household Spending in Canada2019-09-20Housing and Tax-Deferred Retirement Accounts
https://www.bankofcanada.ca/2016/05/staff-working-paper-2016-24/
Assets in tax-deferred retirement accounts (TDA) and housing are two major components of household portfolios. In this paper, we develop a life-cycle model to examine the interaction between households’ use of TDA and their housing decisions.2016-05-11T15:10:28+00:00enHousing and Tax-Deferred Retirement Accounts2016-05-11Economic modelsHousingStaff Working Paper 2016-24https://www.bankofcanada.ca/wp-content/uploads/2016/05/swp2016-24.pdfHousing and Tax-Deferred Retirement AccountsAnson T. Y. HoJie ZhouMay 2016CC6C61DD1D14D9D91EE2E21HH2H24RR2R21