Credit Financial Issues
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International Responses To Issues Of Credit And Over Indebtedness In The Wake Of Crisis
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Author : Therese Wilson
language : en
Publisher: Routledge
Release Date : 2016-04-22
International Responses To Issues Of Credit And Over Indebtedness In The Wake Of Crisis written by Therese Wilson and has been published by Routledge this book supported file pdf, txt, epub, kindle and other format this book has been release on 2016-04-22 with Law categories.
This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.
Financial Issues
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Author : Jantiena Treurniet
language : en
Publisher: Nova Snova
Release Date : 2019
Financial Issues written by Jantiena Treurniet and has been published by Nova Snova this book supported file pdf, txt, epub, kindle and other format this book has been release on 2019 with Banks and banking categories.
Regulation of the banking industry has undergone substantial changes over the past decade. In response to the 2007-2009 financial crisis, many new bank regulations were implemented pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 or under the existing authorities of bank regulators to address apparent weaknesses in the regulatory regime. Chapter 1 provides a broad overview of selected banking-related issues, including issues related to "safety and soundness" regulation, consumer protection, community banks, large banks, what type of companies should be able to establish banks, and recent market and economic trends. Chapter 2 provides a broad overview of various banking topics--key concepts in banking, overview of regulation, recent banking legislation, and policy issues.Banks generally must comply with a variety of requirements to hold minimum levels of capital. Chapter3 provides a brief overview of these requirements and examines related policy issues. Chapter 4 first provides background information on the consumer data industry and various specialty areas. It then examines one prominent specialty area--consumer scoring--and describes various factors used to calculate credit scores. Next, it provides a general description of the current regulatory framework of the consumer data industry. Finally, the chapter discusses selected policy issues pertaining to consumer data reports. Chapter 5 provides an overview of consumer lending markets, pricing, and legislative efforts designed to facilitate efficient credit allocation and pricing.The 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank; P.L. 111-203) established the Bureau of Consumer Financial Protection (CFPB) to implement and enforce federal consumer financial law while ensuring consumers can access financial products and services as reported in chapter 6. Chapter 7 reports on the results of the audits of the fiscal years 2017 and 2016 financial statements of the Bureau of Consumer Financial Protection, known as the Consumer Financial Protection Bureau (CFPB), which is incorporated in the enclosed Financial Report of the Consumer Financial Protection Bureau for Fiscal Year 2017.Chapter 8 provides an overview of how accounting and auditing standards are created and regulated in the private sector, the federal government, and state and local governments
Credit Financial Issues
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Author :
language : en
Publisher:
Release Date : 1981
Credit Financial Issues written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1981 with Consumer credit categories.
Credit And Financial Issues
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Author : Gordon Press Publishers
language : en
Publisher:
Release Date : 1996-08
Credit And Financial Issues written by Gordon Press Publishers and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1996-08 with 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.
Credit Risk Frontiers
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Author : Tomasz Bielecki
language : en
Publisher: John Wiley & Sons
Release Date : 2011-02-14
Credit Risk Frontiers written by Tomasz Bielecki 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 2011-02-14 with Business & Economics categories.
A timely guide to understanding and implementing credit derivatives Credit derivatives are here to stay and will continue to play a role in finance in the future. But what will that role be? What issues and challenges should be addressed? And what lessons can be learned from the credit mess? Credit Risk Frontiers offers answers to these and other questions by presenting the latest research in this field and addressing important issues exposed by the financial crisis. It covers this subject from a real world perspective, tackling issues such as liquidity, poor data, and credit spreads, as well as the latest innovations in portfolio products and hedging and risk management techniques. Provides a coherent presentation of recent advances in the theory and practice of credit derivatives Takes into account the new products and risk requirements of a post financial crisis world Contains information regarding various aspects of the credit derivative market as well as cutting edge research regarding those aspects If you want to gain a better understanding of how credit derivatives can help your trading or investing endeavors, then Credit Risk Frontiers is a book you need to read.
Issues In Finance
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Author : Stuart Sayer
language : en
Publisher: John Wiley & Sons
Release Date : 2011-01-04
Issues In Finance written by Stuart Sayer 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 2011-01-04 with Business & Economics categories.
Issues in Finance: Credit, Crises and Policies presents a collection of surveys on key issues surrounding the relationship between credit, finance, and the macro-economy that are linked to the recent global financial crisis. Presents a timely collection of surveys that shed light on the recent financial crisis Offers insights for economists in government, business, and finance Shows how the mainstream economics literature was not blind to the potential problems of the financial framework and its interplay with the macro-economy
Credit Financial Issues
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Author :
language : en
Publisher:
Release Date : 1995
Credit Financial Issues written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1995 with Consumer credit categories.
Cash And Credit
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Author : D. A. Barker
language : en
Publisher: Prabhat Prakashan
Release Date : 2021-01-01
Cash And Credit written by D. A. Barker and has been published by Prabhat Prakashan this book supported file pdf, txt, epub, kindle and other format this book has been release on 2021-01-01 with Self-Help categories.
Cash and Credit by D. A. Barker: Originally published in 1908, this book provides a comprehensive overview of the history and practice of credit and banking in the United States. Barker examines the economic and social forces that have shaped the development of credit and banking practices, providing a deeper understanding of the role of money and finance in American society. Key Aspects of the Book "Cash and Credit": Economic History: The book provides a detailed history of credit and banking practices in the United States, placing these practices in their historical and social context. Financial Literacy: Barker's accessible writing style and clear explanations make the book a valuable resource for anyone looking to understand the basics of credit and banking. Social Significance: The book illuminates the role of credit and banking practices in shaping American society and the economy. D. A. Barker was an early 20th century economist and author who specialized in financial and economic issues. Cash and Credit, first published in 1908, was one of his most important works, providing a detailed history and analysis of credit and banking practices in the United States and their social and economic impact.
Credit Risk Management
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Author : Tony Van Gestel
language : en
Publisher: OUP Oxford
Release Date : 2008-10-23
Credit Risk Management written by Tony Van Gestel and has been published by OUP Oxford this book supported file pdf, txt, epub, kindle and other format this book has been release on 2008-10-23 with Mathematics categories.
Credit Risk Management: Basic Concepts is the first book of a series of three with the objective of providing an overview of all aspects, steps, and issues that should be considered when undertaking credit risk management, including the Basel II Capital Accord, which all major banks must comply with in 2008. The introduction of the recently suggested Basel II Capital Accord has raised many issues and concerns about how to appropriately manage credit risk. Managing credit risk is one of the next big challenges facing financial institutions. The importance and relevance of efficiently managing credit risk is evident from the huge investments that many financial institutions are making in this area, the booming credit industry in emerging economies (e.g. Brazil, China, India, ...), the many events (courses, seminars, workshops, ...) that are being organised on this topic, and the emergence of new academic journals and magazines in the field (e.g. Journal of Credit Risk, Journal of Risk Model Validation, Journal of Risk Management in Financial Institutions, ...). Basic Concepts provides the introduction to the concepts, techniques, and practical examples to guide both young and experienced practitioners and academics in the fascinating, but complex world of risk modelling. Financial risk management, an area of increasing importance with the recent Basel II developments, is discussed in terms of practical business impact and the increasing profitability competition, laying the foundation for books II and III.