Consumer Lending
DOWNLOAD
Download Consumer Lending PDF/ePub or read online books in Mobi eBooks. Click Download or Read Online button to get Consumer Lending book now. This website allows unlimited access to, at the time of writing, more than 1.5 million titles, including hundreds of thousands of titles in various foreign languages. If the content not found or just blank you must refresh this page
Consumer Lending
DOWNLOAD
Author : Paul Beares
language : en
Publisher:
Release Date : 1992
Consumer Lending written by Paul Beares and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Business & Economics categories.
Handbook Of Consumer Lending
DOWNLOAD
Author : David B. Lawrence
language : en
Publisher:
Release Date : 1992
Handbook Of Consumer Lending written by David B. Lawrence and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1992 with Consumer credit categories.
Consumer Lending In Theory And Practice
DOWNLOAD
Author : Teplý, Petr
language : en
Publisher: Charles University in Prague, Karolinum Press
Release Date : 2016-01-01
Consumer Lending In Theory And Practice written by Teplý, Petr and has been published by Charles University in Prague, Karolinum Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-01-01 with Business & Economics categories.
This book deals with consumer lending from both theoretical and empirical points of view. In the theoretical section, it book analyses the wider context of financial literacy, household indebtedness and the global consumer credit market including relevant legal, regulatory and risk management issues. In the empirical section, the book uses The Navigator of Responsible Lending as an evaluation tool to assess both bank and non-bank consumer credit providers in the Czech Republic. Although our empirical research is done as a case study on the Czech Republic, its basic ideas might be easily applied to other countries as well. Enclosures to the book include additional texts relevant to consumer lending (including case studies and an unofficial English translation of the Czech Consumer Credit Act) and therefore provide the reader with several perspectives on the topic.
Consumer Lending In France And America
DOWNLOAD
Author : Gunnar Trumbull
language : en
Publisher: Cambridge University Press
Release Date : 2014-08-11
Consumer Lending In France And America written by Gunnar Trumbull 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 2014-08-11 with Business & Economics categories.
"At the beginning of the 20th century, consumer credit in the United States was perceived as unfair and exploitative. Social reformers fought to limit the economic and social impact of small lenders they decried as loan sharks. Reputable businesses steered clear of sales credit because of the questionable consumers that it would attract. By the 1970s, however, credit in America had been reimagined as a legitimate tool of household finance that was understood to have broad social and economic benefits. This transformation in the moral economy of credit accompanied a revolution in lending technologies and the regulatory treatment of consumer credit. Ultimately, these changes allowed American households to amass unprecedented debt -- debt that eventually precipitated the worst financial crisis of postwar America. To understand the origins of that crisis, we need to understand not just the shifting habits of consumers, but also what happened to lenders as the public moved from opposing credit to embracing it. This book traces how that transformation occurred. Nearly all accounts of the origins of American consumer credit have focused exclusively on the U.S. experience. Single-country case studies have their virtues. But they do not allow the observer easily to differentiate what is unusual about the U.S. case from what is common even to countries with very different credit practices"--
Managing A Consumer Lending Business
DOWNLOAD
Author : David Lawrence
language : en
Publisher:
Release Date : 2012-03-16
Managing A Consumer Lending Business written by David Lawrence and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2012-03-16 with Business & Economics categories.
Subprime Consumer Lending
DOWNLOAD
Author : Frank J. Fabozzi, CFA
language : en
Publisher: John Wiley & Sons
Release Date : 1999-11-15
Subprime Consumer Lending written by Frank J. Fabozzi, CFA and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 1999-11-15 with Business & Economics categories.
The subprime lending market is growing rapidly due to the use of securitization and the attempts of lending institutions to boost their client pool. This book gives readers a working, up-to-date knowledge of subprime consumer lending. It provides a guide to the concept of credit risk as it relates to lending practices, risk-based and risk-adjusted pricing, credit scoring, collection methodology, credit card services, auto loans, several aspects of securitization of subprime assets, and recent developments in the United Kingdom.
Consumer Lending
DOWNLOAD
Author : Institute of Financial Education
language : en
Publisher:
Release Date : 1997
Consumer Lending written by Institute of Financial Education and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1997 with Business & Economics categories.
Consumer Credit Models
DOWNLOAD
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 Consumer Finance Industry
DOWNLOAD
Author : National Consumer Finance Association
language : en
Publisher:
Release Date : 1962
The Consumer Finance Industry written by National Consumer Finance Association and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1962 with Commercial finance companies categories.
The Development Of Consumer Credit In Global Perspective
DOWNLOAD
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.