Consumer Credit Fundamentals
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Consumer Credit Fundamentals
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Author : S. Finlay
language : en
Publisher: Springer
Release Date : 2009-02-02
Consumer Credit Fundamentals written by S. Finlay and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-02-02 with Business & Economics categories.
Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.
The Management Of Consumer Credit
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Author : S. Finlay
language : en
Publisher: Springer
Release Date : 2008-04-01
The Management Of Consumer Credit written by S. Finlay and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-04-01 with Business & Economics categories.
Consumer credit is an integral part of many western societies. This book provides a comprehensive view of how credit-granting institutions operate and discusses the relationship between the strategic objectives set by senior management and the operational strategies employed by credit professionals working at the coal face of credit provision.
Retail Credit Fundamentals
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Author : Clyde William Phelps
language : en
Publisher:
Release Date : 1963
Retail Credit Fundamentals written by Clyde William Phelps and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1963 with Collecting of accounts categories.
Retail Credit Fundamentals
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Author : Clyde William Phelps
language : en
Publisher:
Release Date : 1947
Retail Credit Fundamentals written by Clyde William Phelps and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1947 with Collecting of accounts categories.
Consumer Credit Fundamentals
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Author : S. Finlay
language : en
Publisher: Springer
Release Date : 2005-10-06
Consumer Credit Fundamentals written by S. Finlay and has been published by Springer this book supported file pdf, txt, epub, kindle and other format this book has been release on 2005-10-06 with Business & Economics categories.
Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.
Consumer Credit Fundamentals
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Author : Steven Finlay
language : en
Publisher: Palgrave MacMillan
Release Date : 2009-02-02
Consumer Credit Fundamentals written by Steven Finlay and has been published by Palgrave MacMillan this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-02-02 with Business & Economics categories.
This book provides a comprehensive, cross-disciplinary and practical introduction to consumer credit.
Consumer Credit
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Author : Alexander Hill-Smith
language : en
Publisher: CRC Press
Release Date : 2015-02-20
Consumer Credit written by Alexander Hill-Smith and has been published by CRC Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2015-02-20 with Law categories.
The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.
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.
Consumer Lending
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Author : Richard E. Beck
language : en
Publisher:
Release Date : 2001
Consumer Lending written by Richard E. Beck and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Bank loans categories.
This text introduces students who are new to US consumer lending principles and practice to the lending process, its importance to the bank and to consumers, and the environment in which it functions. It takes a practical approach and presents a conceptual overview of the fundamentals of lending along with contemporary issues such as technology, regulation, and attitudes. It also details developments important to an understanding of consumer lending today.
Fundamentals Of Consumer Lending
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Author : American Bankers Association
language : en
Publisher:
Release Date : 2006
Fundamentals Of Consumer Lending written by American Bankers Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006 with Consumer credit categories.