Modelli Creditizi nel Contesto ESG: La Domanda dei Mutui delle Famiglie Consumatrici nelle Regioni Italiane

Arnone, Massimo and Leogrande, Angelo (2024): Modelli Creditizi nel Contesto ESG: La Domanda dei Mutui delle Famiglie Consumatrici nelle Regioni Italiane.

Abstract

Il presente studio esamina l'impatto dei fattori ESG-Environment, Social and Governance sui modelli creditizi delle banche italiane e sulla domanda di mutui delle famiglie nelle diverse macro-regioni del paese dal 2009 al 2022. La transizione verso pratiche di finanza sostenibile è analizzata nel contesto della crescente rilevanza della sostenibilità come driver strategico per la competitività delle banche. Attraverso un'analisi econometrica basata su modelli panel data, il paper indaga la relazione tra le componenti ESG e il valore dei mutui concessi alle famiglie. I risultati mostrano che i mutui sono influenzati positivamente da politiche di supporto creditizio, interventi di riqualificazione urbana e una maggiore educazione finanziaria nelle regioni con elevata disuguaglianza di reddito e grave deprivazione abitativa. Tuttavia, emergono anche criticità legate a rischi ambientali e di governance che possono ridurre la domanda di mutui in aree con problemi significativi di gestione dei rifiuti e deterioramento del paesaggio. Il paper conclude con una discussione sulle implicazioni di policy e suggerimenti per ulteriori ricerche nel campo della finanza sostenibile e dei suoi effetti sul settore bancario e sulla domanda di credito.

• Item Type: MPRA Paper
• English Title: Credit Models in an ESG Context: Mortgage Demand from Consumer Families in Italian Regions
• Language: Italian
• Keywords: ESG, Banking, Finance, Prestiti alle Famiglie, Dynamic Panel
• Subjects: G - Financial Economics > G0 - General > G00 - General; G - Financial Economics > G2 - Financial Institutions and Services > G20 - General; G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages; G - Financial Economics > G2 - Financial Institutions and Services > G22 - Insurance ; Insurance Companies ; Actuarial Studies; G - Financial Economics > G2 - Financial Institutions and Services > G23 - Non-bank Financial Institutions ; Financial Instruments ; Institutional Investors; G - Financial Economics > G2 - Financial Institutions and Services > G24 - Investment Banking ; Venture Capital ; Brokerage ; Ratings and Ratings Agencies; G - Financial Economics > G2 - Financial Institutions and Services > G28 - Government Policy and Regulation

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