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Author:Di, Wenhua 

Journal Article
Texas sees postrecession turnaround in rental housing market

Banking and Community Perspectives , Issue 3 , Pages 3-5

Journal Article
Pathways to financial advancement

In view of the economic downturn and the enlarged wealth gap, it is imperative for policymakers to examine the pathways for American families to build sufficient savings to mitigate financial shocks
Banking and Community Perspectives , Issue 2 , Pages 3-8

Journal Article
Consumer decisionmaking: insights from behavioral economics

The increased complexity of the financial markets has made it difficult for consumers to choose products that best serve their interests. Behavioral economists explore consumers' psychological process in making decisions, such as immediate gratification, overconfidence, inertia or a lack of cognitive ability to understand the costs and benefits of financial services.
Banking and Community Perspectives , Issue 3

Discussion Paper
Student loans part 2: borrowing for a future

Perspectives , Paper 15

Discussion Paper
Student loans part 1: get the numbers right

Perspectives , Paper 10

Discussion Paper
Savings account ownership during the great recession

Perspectives , Paper 6

Journal Article
Texas enterprise zone benefits for poor prove elusive

The Texas Enterprise Zone Program does not appear to benefit the financial well-being of residents. An examination of the state program suggests that at best, there is a modest positive impact on the repayment of retail loans.
Southwest Economy , Issue Q3 , Pages 3-6

Journal Article
Spotlight: Educational opportunity: Does low-income housing tax credit hurt nearby schools?

The largest federal program designed to increase the rental housing supply for poor working families helps them find living space in decent neighborhoods with good schools. It also encounters frequent neighborhood opposition.
Southwest Economy , Issue Q1 , Pages 15

Journal Article
Spotlight: Texas subprime mortgages: metros vary on risky loans--and delinquencies

The current financial crisis has brought a severe decline in subprime mortgage lending. Like the nation, Texas and its metros still have exposure to existing loans. Housing prices, unemployment and overall economic activity will play a significant part in determining how many of them run into trouble.
Southwest Economy , Issue Q1 , Pages 7

Journal Article
Texans Help Drive National Increase in Auto Loan Debt

Despite strong economic growth in recent years, Texas auto loan delinquency rates have risen to levels approaching those seen just after the Great Recession. A recent drop in the subprime share of auto loan originations? typically involving less-creditworthy buyers? suggests delinquency rates are likely to fall. However, risks remain elevated because of factors including longer loan duration and young borrowers? increasing student loan indebtedness.
Southwest Economy , Issue Q3 , Pages 3-8

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