NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Markets and Housing Finance

Veronica Cacdac Warnock, Francis E. Warnock

NBER Working Paper No. 13081
Issued in May 2007

---- Acknowledgements -----

This paper was written while the authors were research fellows at the Hong Kong Institute for Monetary Research; we thank the HKIMR for its generous hospitality. For helpful comments and suggestions we are grateful to Stijn Claessens, Leo Goodstadt, and Jacob Gyntelberg and seminar participants at the HKMA. We also thank Caralee McLiesh for guidance on the World Bank's Doing Business data, and Kenneth Chow and Daniel Pike for able research assistance. The views in this paper are those of the authors and do not represent the HKIMR or HKMA in any way. The views expressed herein also do not necessarily reflect the views of the National Bureau of Economic Research.

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