Senior Economist
Economics and Monetary Policy
Fields of Interest: Consumption and Savings, Applied Econometrics
hya@nationalbanken.dk
Professional Experience
Senior Economist, Macroeconomics Analysis, Economics and Monetary Policy, 2019-
Economist, Macroeconomics Analysis, Economics and Monetary Policy, 2018-2019
Economist, Department of Economic Policy, Ministry of Finance, Denmark, 2013-2014
Education
Ph.D. Economics, Copenhagen Business School, 2018
Ph.D. Fellow, Research Department, Danmarks Nationalbank, 2014-2018
Visiting Ph.D. Fellow, Institute for Fiscal Studies, London, 2017
M.Sc. Economics, University of Copenhagen, 2013
B.Sc. Economics, University of Southern Denmark, 2010
Publications
'Housing wealth or collateral: How home value shocks drive home equity extraction and spending', with Søren Leth-Petersen, Forthcoming in Journal of European Economic Association
'Skattebegunstigelse af pensionsopsparing og opsparingsadfærd', Finans/Invest, No. 4, 2019
'Do Tax Incentives for Saving in Pension Accounts Cause Debt Accumulation? Evidence from Danish Register Data', European Economic Review, 106, pp. 35-53, 2018
Work in Progress
'Mortgage choice and expenditure over the lifecycle: Evidence from expiring interest-only loans', with Stine Ludvig Bech and Alessia De Stefani
'Effects of macroprudential policies on household credit: Evidence from Danish loan-level register data', with Simon Juul Hviid, Søren Leth-Petersen, and Emil Verner
'Early withdrawals from pension accounts: Evidence from Danish register data'
'Wealth, debt and macroeconomic stability', with Niels Lynggård Hansen and Andreas Kuchler
'Pension taxation, household debt and the real economy'
'Mandatory pension contributions and long-run debt accumulation', with Niels Lynggård Hansen and Andreas Kuchler
Selected Danmarks Nationalbank Publications
'Mortgage refinancing supports private consumption', Stine Ludvig Bech, Ida Rommedahl Julin and Alexander Meldgaard Otte, Danmarks Nationalbank Analysis, no. 17/2019
'Impacts of 2016 guidelines on mortgaging of homes', with Christian Sinding Bentzen and Simon Juul Hviid, Danmarks Nationalbank Analysis, no. 18/2018