Gasto em educa????o e o diferencial de sal??rios por qualifica????o: elasticidade de substitui????o entre consumo e adimpl??ncia

• Main Author: Oliveira, Augusto Marques de Castro
• Other Authors: Maldonado, Wilfredo Fernando Leiva
• Format: Others
• Language: Portuguese
• Published: Universidade Cat??lica de Bras??lia 2017
• Subjects: Economia; Educa????o; Sal??rio; Cr??dito; Consumo; Inadimpl??ncia; ECONOMIA DO BEM-ESTAR SOCIAL::ECONOMIA DO CONSUMIDOR
• Online Access: https://bdtd.ucb.br:8443/jspui/handle/tede/2081

Submitted by Sara Ribeiro ([e-mail]) on 2017-04-20T12:41:30Z No. of bitstreams: 1 AugustoMarquesdeCastroOliveiraTese2016.pdf: 1480175 bytes, checksum: 685cbd36b095f75ce34ce81520f25b3e (MD5) === Approved for entry into archive by Sara Ribeiro ([e-mail]) on 2017-04-20T12:41:47Z (GMT) No. of bitstreams: 1 AugustoMarquesdeCastroOliveiraTese2016.pdf: 1480175 bytes, checksum: 685cbd36b095f75ce34ce81520f25b3e (MD5) === Made available in DSpace on 2017-04-20T12:41:47Z (GMT). No. of bitstreams: 1 AugustoMarquesdeCastroOliveiraTese2016.pdf: 1480175 bytes, checksum: 685cbd36b095f75ce34ce81520f25b3e (MD5) Previous issue date: 2016-04-05 === This work includes two studies. The first refers to an infinite horizon model of educational level choice, in which we find that in the long term, a stable relationship between wages and spending on education. On the demand side, it is assessed the impact of the workers` skill premium on the relative demand of qualified workers in the Brazilian Federal States (UF's). An analogous analysis if performed for the country members of the European Union (EU). The second study considers a dynamic model with habit formation and infinite horizon in which the consumer is a borrower which decides her level of consumption, payment of her debt and the new loans contract. It is estimated the parameters of this model using data from the Brazilian credit market and analyzed the sensitivity of the variables at steady state with respect to shocks in the interest rate to evaluate the impacts of monetary policy on the Brazilian credit market. === Este trabalho compreende dois estudos. O primeiro refere-se a um modelo de horizonte infinito de escolha de n??vel educacional, no qual encontramos que, no longo prazo, existe uma rela????o est??vel entre sal??rios e gastos em educa????o. Pelo lado da demanda, foi analisado o impacto do diferencial de sal??rios dos trabalhadores com diferentes n??veis de qualifica????o sobre a demanda das Unidades Federativas do Brasil (UF??s) e dos pa??ses integrantes da Uni??o Europeia (UE). O segundo estudo refere-se a um modelo din??mico com h??bitos no consumo e horizonte infinito no qual o consumidor ?? tomador de cr??dito e decide o seu n??vel de consumo, o pagamento de sua d??vida e a contrata????o de novos empr??stimos. Estimam-se os par??metros desse modelo utilizando os dados do mercado de cr??dito brasileiro e analisamos a sensibilidade das vari??veis no estado estacion??rio a choques na taxa de juros para verificar quais s??o os impactos da pol??tica monet??ria sobre o mercado de cr??dito brasileiro.