The distribution of debt across euro area countries : the role of individual characteristics, institutions and credit conditions - Bover,Olympia; Casado,Jose Maria; Costa,Sonia; Du Caju,Philip; McCarthy,Yvonne; Sierminska,Eva; Tzamourani,Panagiota; Villanueva,Ernesto; Zavadil,Tibor (Frankfurt am Main Deutsche Bundesbank, 2014)