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  "abstract" : [ "Credit default is a dramatic consequence of disadvantageous private financial decisions. Using regression methods which eliminate spatial autocorrelation at the level of 1 km² grids and further identification problems, we observe considerable and reinforcing residential segregation between households facing payment difficulty and more solvent households. Two findings give reasons for concern. First, data from North Rhine-Westphalia reveals that a high local risk of credit default coincides with a lower share of children taking the highest German secondary school track (Gymnasium). Since birth rates are currently high in these (inner city) areas, the outlook on educational attainment for many pupils is bleak. Second, hedonic price estimations using microdata on housing offers find that local agglomeration of households facing credit default provokes significant (detrimental) neighbourhood effects on housing markets. Segregation is thus unlikely to diminish, which implies increased efforts should be made to overcome unfavourable neighbourhood effects in various fields of policy, especially education.", "Zahlungsschwierigkeiten gehören zu den besonders dramatischen Folgen fehlender Finanzkenntnisse und unvorteilhafter finanzieller Entscheidungen. Auf Basis von sozioökonomischen Daten für 1 km²-Raster und Mikrodaten über Immobilienangebote gehen wir mit Hilfe verschiedener Regressionsmodelle - mit und ohne Berücksichtigung räumlicher Autokorrelation – den Determinanten einer lokalen Häufung von Haushalten mit hohem Kreditausfallrisiko sowie den dadurch entstehenden Nachbarschaftseffekten nach. Vor allem zwei Befunde geben Grund zur Besorgnis. Erstens belegen Daten aus Nordrhein-Westfalen, dass hohe Kreditausfallraten auf der lokalen Ebene mit niedrigen Übergangsquoten von der Grundschule auf das Gymnasium korrelieren. Da die entsprechenden – zumeist innerstädtischen - Bezirke durch hohe Geburtenraten gekennzeichnet sind, ist davon auszugehen, dass sehr viele der dort aufwachsenden Kinder auch in Zukunft in ihren Bildungschancen benachteiligt sein dürften. Zweitens belegen hedonische Preisschätzungen, dass eine lokale Häufung von Kreditausfallrisiken mit negativen Preiseffekten auf dem Immobilienmarkt verbunden ist. Weil daher von einem Rückgang der innerstädtischen Segregation nicht auszugehen ist, liegt es nahe, unerwünschten Nachbarschaftseffekten auf unterschiedlichen Politikfeldern entgegenzuwirken, insbesondere im Bildungsbereich." ],
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  "responsibilityStatement" : [ "Uwe Neumann and Sandra Schaffner" ],
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