Perspectives on Business and Economics.Vol41

23 MARTINDALE CENTER FOR THE STUDY OF PRIVATE ENTERPRISE Danish National Bank. (2022, March 25). Official interest rates. Denmark home ownership rate. (2022). Trading Economics. Enoch, C., Everaert, L., Tressel, T., & Zhou, J. (2013) From fragmentation to financial integration in Europe. International Monetary Fund, 422. Eurostat (2020). Is housing affordable? Finance Denmark (n.d.) Covered bonds. Finance Denmark. (2021). The traditional Danish mortgage model. Finance Denmark. (2023). Mortgage rates. Fixsen, R. (2022, November 1). ATP says both guaranteed and market-rate have their place. Investments & Pensions Europe. International Monetary Fund. (2007). Denmark: Financial sector assessment program: Technical note: The Danish mortgage market: A comparative analysis. International Monetary Fund. (2021). Denmark: 2021 Article IV consultation—Press release; staff report; and staff supplement. International Monetary Fund. (2022). Denmark: 2022 Article IV Consultation—Press release; staff report; and staff supplement; and statement by the alternative executive director for Denmark. Kammer, A. (2022, October 2022). Europe must address a toxic mix of high inflation and flagging growth. IMF. Kjeldsen, K. (2004, June 24). Mortgage credit in the USA and Denmark. Danish National Bank. Larsen, A. W. (2018). Introduction to the Danish mortgage bond market. Jyske Bank. McKeever, V. (2021, July 2). These are the richest and poorest countries in the EU. CNBC. Nykredit Markets.(2020). Danish covered bonds 2020/2021. PwC. (2023). Spain: Individual – income determination. Reid, J. (2023). European central bank raises rates by 50 basis points, pledges further hike in March. CNBC. Scope. (2021, June 10). Increasing wealth buffers high Danish mortgage debt: Will safety of financial assets prevail, or debt risk? Scope Ratings. Skydsgaard, N. (2023). Denmark’s central bank raises key rate to 2.1%. Reuters. Systemic Risk Council. (2021, June 21). Limitation of access to interest-only loans for highly indebted borrowers. Wienberg, C. (2022, October 10). Denmark’s inflation rate hits 10% for first time since 1982. Bloomberg. BEN WAINFAN graduated with highest honors and with honors in economics from Lehigh University in 2023 with a B.S. in economics from the College of Business. At Lehigh, Ben researched monetary policy models and their effects on US citizens from varying income brackets. He was cohead of the Thompson International Portfolio; a Technology, Research, and Communications Fellow; a Tauck Scholar; and an active member of several discussion clubs and student advisory councils. He was a recipient of the Nelson Leighton Bond Memorial Prize and the Eli Schwartz Prize in research economics. After graduation, Ben joined Bank of America as a debt capital markets analyst.

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