美国住房统计与分析（HOUSEHOLD LEVERAGE AND THE RECESSION OF 2007 TO 2009）

NATIONAL BUREAU OF ECONOMIC RESEARC
1050 Massachusetts Avenue
Cambridge, MA 02138
April 2010

Household Leverage and the Recession of 2007 to 2009
Atif R. Mian and Amir Sufi
NBER Working Paper No. 15896
April 2010
JEL No. E2,E3,G01,R2

看明白了吗？上文主要是说这是经济研究所国际局的工作论文，完成时间是在2010年4月，所以版本很新，至于英文水平嘛，只要你过了四级，基本都可以看懂，长句很少。
简单介绍：
    1、英文清晰版，可以复制
    2、工作论文，页数51页，供分析美住房各方面要素而使用。
    3、下面有一个英文摘要。
ABSTRACT
We show that household leverage as of 2006 is a powerful statistical predictor of the severity of the
2007 to 2009 recession across U.S. counties. Counties in the U.S. that experienced a large increase
in household leverage from 2002 to 2006 showed a sharp relative decline in durable consumption starting
in the third quarter of 2006 – a full year before the official beginning of the recession in the fourth
quarter of 2007. Similarly, counties with the highest reliance on credit card borrowing reduced durable
consumption by significantly more following the financial crisis of the fall of 2008. Overall, our statistical
model shows that household leverage growth and dependence on credit card borrowing as of 2006
explain a large fraction of the overall consumer default, house price, unemployment, residential investment,
and durable consumption patterns during the recession. Our findings suggest that a focus on household
finance may help elucidate the sources macroeconomic fluctuations。

资源得来不容易，4个币也合理吧~~~