Discussion paper DP10934 The Distribution of Debt Across Euro Area Countries: The Role of Individual Characteristics, Institutions and Credit Conditions Olympia Bover Philip Du Caju Ernesto Villanueva Sónia Costa Yvonne McCarthy Jose Maria Casado Panagiota Tzamourani Eva Sierminska Tibor Zavadil 15 Nov 2015 Financial Economics D14 G21 G28 K35