Consumer Credit In Europe
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Consumer Credit In Europe
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Author : Daniela Vandone
language : en
Publisher: Physica
Release Date : 2009-07-20
Consumer Credit In Europe written by Daniela Vandone and has been published by Physica this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-07-20 with Business & Economics categories.
Consumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at a broad range of issues related to consumer credit in Europe. Focusing on both the supply and demand sides, it takes into account the structure and performance of financial intermediaries, the socio-demographic and economic profile of households and their risk of over-indebtedness, as well as the regulatory framework, such as the new Consumer Credit Directive. In the light of this analysis, measures for the prevention and management of over-indebtedness are presented. This book is essential for postgraduate students and specialists in financial institutions, for regulators and policy-makers who are in charge of efficiency and stability of financial systems.
Consumer Credit In Europe
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Author : Daniela Vandone
language : en
Publisher: Physica
Release Date : 2009-08-29
Consumer Credit In Europe written by Daniela Vandone and has been published by Physica this book supported file pdf, txt, epub, kindle and other format this book has been release on 2009-08-29 with Business & Economics categories.
Consumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at a broad range of issues related to consumer credit in Europe. Focusing on both the supply and demand sides, it takes into account the structure and performance of financial intermediaries, the socio-demographic and economic profile of households and their risk of over-indebtedness, as well as the regulatory framework, such as the new Consumer Credit Directive. In the light of this analysis, measures for the prevention and management of over-indebtedness are presented. This book is essential for postgraduate students and specialists in financial institutions, for regulators and policy-makers who are in charge of efficiency and stability of financial systems.
Consumer Credit In Europe
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Author : Maria Lissowska
language : en
Publisher: Springer Nature
Release Date : 2021-11-24
Consumer Credit In Europe written by Maria Lissowska and has been published by Springer Nature this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-11-24 with Political Science categories.
This book provides a comprehensive outlook on the state and role of consumer credits in the European economy and households. It underlines the role of consumerism and digitalisation, in the framework of legislation. It covers two major turns in consumer credit evolution: the 2008 crisis and Covid pandemic. The first had socio-economic sources, the second one was an external event, but provoked important changes in consumer behaviour. Lockdowns deepened the preference for digital financial products. FinTech and BigData operators acquired broader opportunities with the development of distance services. These new financial services need adapted legislation. The recently published project of Consumer Credits Directive covers new means of communication, such as smartphones, and extends rules to new ways of crediting, like crowdfunding. Consumer credit availability changed the behaviour of households. The propensity of poorer households to save faded due to the ease of getting credit. However, financial insecurity during the Coronavirus pandemic made households limit credits and build precautionary savings.
Consumer Credit Debt And Investment In Europe
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Author : James Devenney
language : en
Publisher: Cambridge University Press
Release Date : 2012-07-12
Consumer Credit Debt And Investment In Europe written by James Devenney and has been published by Cambridge University Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-07-12 with Law categories.
This topical collection of essays provides a detailed analysis of European consumer protection law in credit and investment.
Consumer Credit In The European Union
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Author : Great Britain: Parliament: House of Lords: European Union Committee
language : en
Publisher: The Stationery Office
Release Date : 2006-07-05
Consumer Credit In The European Union written by Great Britain: Parliament: House of Lords: European Union Committee and has been published by The Stationery Office this book supported file pdf, txt, epub, kindle and other format this book has been release on 2006-07-05 with Political Science categories.
Evidence taken before Sub-committee G (Social and Consumer Affairs).
Consumer Debt And Social Exclusion In Europe
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Author : Hans-W. Micklitz
language : en
Publisher: Routledge
Release Date : 2016-03-09
Consumer Debt And Social Exclusion In Europe written by Hans-W. Micklitz and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-03-09 with Law categories.
This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.
The Law And Consumer Credit Information In The European Community
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Author : Federico Ferretti
language : en
Publisher: Routledge
Release Date : 2008-05-13
The Law And Consumer Credit Information In The European Community written by Federico Ferretti and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-05-13 with Business & Economics categories.
This book examines the legal framework and compliance in the EC of consumer credit reporting and credit information sharing arrangements. It also looks at the issue of human rights, and the extent to which the right to privacy of consumers should be balanced against the aims of consumer credit reporting.
Changing Consumer Law In The United Kingdom After Brexit
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Author : Katharina Steinbrück
language : en
Publisher: Nomos Verlag
Release Date : 2021-06-14
Changing Consumer Law In The United Kingdom After Brexit written by Katharina Steinbrück and has been published by Nomos Verlag this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-06-14 with Law categories.
Dem britischen Gesetzgeber eröffnen sich durch den weitgehenden Wegfall von Bindung an EU-Recht im Verbraucherrecht neue regulatorische Möglichkeiten. Dieses Werk widmet sich der Frage, ob Normen des bisher von der EU bestimmten Verbraucherkredit- und AGB-Rechts beibehalten oder geändert werden sollten. Eine historische Analyse beantwortet die Frage, inwieweit EU-Recht in der Vergangenheit durch das Vereinigte Königreich gestaltet und rezipiert wurde. Auf Grundlage einer umfassenden rechtsvergleichenden Betrachtung wird zudem analysiert, ob alternative europäische Kooperationsmodelle mehr regulatorischen Freiraum bieten und die (Nicht-) Umsetzung von Verbraucherrecht als Vorbild für neue Regulierung im Vereinigten Königreich dienen könnte.
Consumer Credit Legislation In Central And Eastern Europe
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Author : Krisztián Csáky
language : en
Publisher:
Release Date : 2002
Consumer Credit Legislation In Central And Eastern Europe written by Krisztián Csáky and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2002 with Consumer credit categories.
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.