Consumer Credit
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The Development Of Consumer Credit In Global Perspective
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Author : J. Logemann
language : en
Publisher: Springer
Release Date : 2012-07-16
The Development Of Consumer Credit In Global Perspective written by J. Logemann and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-16 with History categories.
This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.
Consumer Credit Models
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Author : Lyn C. Thomas
language : en
Publisher: OUP Oxford
Release Date : 2009-01-29
Consumer Credit Models written by Lyn C. Thomas and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-01-29 with Business & Economics categories.
The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
The Future Of Consumer Credit Regulation
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Author : Michelle Kelly-Louw
language : en
Publisher: Ashgate Publishing, Ltd.
Release Date : 2008-01-01
The Future Of Consumer Credit Regulation written by Michelle Kelly-Louw and has been published by Ashgate Publishing, Ltd. this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-01-01 with Law categories.
Effective regulation of consumer credit in modern society is an ever-changing challenge. As new forms of credit emerge in free societies, regulation often lags behind. This volume explores contemporary problems related to the regulation of consumer credit in market economies with a focus on credit extended to the most vulnerable and poorest members of the community. Written by experts in the field of consumer credit regulation from Europe, North America, Australia, and South Africa, the book examines some of the most important consumer credit issues facing consumers today and proposes innovative ways to protect the consumer interest in those markets.
Trends In Consumer Credit Affordability
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
language : en
Publisher:
Release Date : 1994
Trends In Consumer Credit Affordability written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Consumer credit categories.
The Law Of Consumer Credit
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Author : Chin Yen Lee
language : en
Publisher:
Release Date : 1980
The Law Of Consumer Credit written by Chin Yen Lee and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1980 with Law categories.
The Economics Of Consumer Credit
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Author : Giuseppe Bertola
language : en
Publisher: MIT Press
Release Date : 2006
The Economics Of Consumer Credit written by Giuseppe Bertola and has been published by MIT Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Consumer credit categories.
Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.
Understanding The Consumer Credit Environment
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Author : A. Charlene Sullivan
language : en
Publisher:
Release Date : 1989
Understanding The Consumer Credit Environment written by A. Charlene Sullivan and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1989 with Business & Economics categories.
Consumer Credit And The American Economy
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Author : Thomas A. Durkin
language : en
Publisher: Oxford University Press
Release Date : 2014-07-16
Consumer Credit And The American Economy written by Thomas A. Durkin and has been published by Oxford University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-07-16 with Business & Economics categories.
Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Consumer And Commercial Credit Management
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Author : Robert Hartzell Cole
language : en
Publisher: McGraw-Hill/Irwin
Release Date : 1976
Consumer And Commercial Credit Management written by Robert Hartzell Cole and has been published by McGraw-Hill/Irwin this book supported file pdf, txt, epub, kindle and other format this book has been release on 1976 with Business & Economics categories.
Give Yourself Credit
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Author : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage
language : en
Publisher:
Release Date : 1992
Give Yourself Credit written by United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Affairs and Coinage and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Law categories.