摘要：Since 2008, the Bank of Canada has used a micro-simulation model as one of its tools to assess the risks to financial stability emanating from the elevated debt burdens of Canadian households. The strength of this approach is its use of actual household balance sheets to examine the distribution of debt within the household sector.1Unlike aggregate measures such as the ratio of household debt to income, this distributional information provides insight into the most vulnerable segments within the household sector—where problems would first arise
