Nikos Paratsiokas Research Associate Τel: 210 9211254 E-mail: paratsiokas@iobe.gr   He was born in 1980. He received B.Sc. in Economics from the University of Athens in 2002, M.Sc. in Financial Economics and Econometrics from the Queen Mary College in 2003 and M.Phil. in Economics from the University of Athens in 2005. He has worked as analyst in the Risk Management Department of Emporiki Credicom.