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REVIEW OF RELATED LITERATURE
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a,yr a2 and a3 a2yf a2yr afmale aggregate consumption aggregate risk aggregate shock asdmale asdmalef DDBf atdage atdagef autarky autocorrelation average Bangkok & Vicinities Bank of Thailand change in credit characteristics Cochrane coefficients commercial banks commercial bills Common Model correlation credit balance data set DDBr deposits dummy variables Estimated F-statistics F-test financial institutions fixed effect model Flow-of-Fund account full consumption insurance full insurance full risk sharing greater Bangkok Gross Domestic Products Gross Provincial Products growth higher Homoscedasticity household savings idiosyncratic risk income shock increase indirect taxes individual consumption interest rate Least Square less insurance loans and commercial Mace Model with Households NESDB Northeastern region null hypothesis percent level preference shift private consumption provincial income Regions National Level Regions Regional Level regression rejected remittances risk aversion sector share risk significant smooth consumption Test of Risk Thammasat University Thesis Committee Townsend utility function Vicinities region wealth