Consumer credit in North Queensland (Australia):
Saved in:
| Main Authors: | , |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Townsville
Department of Economics, James Cook Univ. of North Queensland
1994
|
| Series: | Research monograph
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Physical Description: | XII, 226 S. graph. Darst., Tab., Kt. |
| ISBN: | 0864434839 |
Staff View
MARC
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Record in the Search Index
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| adam_text | Table of Contents
INTRODUCTION 1
CHAPTER 1 AN ECONOMIC AND DEMOGRAPHIC
PROFILE OF NORTH QUEENSLAND 3
1.1 Introduction 3
1.2 The Demographics of North Queensland 9
1.3 The Economics of North Queensland 16
CHAPTER 2 AN OUTLINE OF HOUSEHOLD INCOME,
EXPENDITURE, AND SAVINGS 25
2.1 Introduction 25
2.2 Household Income 25
2.3 Household Expenditure 27
2.4 Household Savings 30
2.5 Credit Card Usage and Funds on Loan 32
2.6 Conclusion 38
CHAPTER 3 STRUCTURE OF CONSUMER CREDIT 40
3.1 Definition of Consumer Credit 40
3.2 Historical Aspects of Financial Services to Consumers ... 42
3.3 Total Consumer Credit 46
3.4 Lenders and Market Share 62
3.5 Purpose of Consumer Credit 66
3.6 Users of Consumer Credit 73
3.7 International Comparisons 81
CHAPTER 4 KEY FACTORS IN THE DEMAND FOR MONEY
FOR PRIVATE CONSUMPTION 88
4.1 Consumer Behaviour and Consumer Debts 88
4.2 Standard of Living 92
4.3 Cashless Society 96
4.4 Consumers Knowledge of Credit Facilities 100
CHAPTER 5 INFLUENCE OF MACROECONOMIC FACTORS
ON THE SIZE OF CONSUMER CREDITS 109
5.1 Deregulated Financial Markets and Consequences for
Consumers 109
5.2 Consumer Debts and Overcommitment 110
5.3 Unemployment and Inflation 115
5.4 Competition in the Banking Industry 120
CHAPTER 6 SOCIO-ECONOMIC IMPACT OF EXCEEDED
CREDITS AND BREAKDOWN OF FINANCIAL STATUS ON
HOUSEHOLDS AND INDIVIDUALS 124
6.1 Bankruptcy of Households and Individuals 124
6.2 Debt Collection 130
6.3 Credit Counselling 131
6.4 Consumer Affairs Administration 133
CHAPTER 7 CONSUMER CREDIT LEGISLATION AND
CONSUMER PROTECTION 139
7.1 Disclosure of Credit Conditions 139
7.2 Self-Regulation by Banking Industry versus Consumer
Protection 147
7.3 Code of Banking Practice 149
7.4 Uniform Credit Legislation 153
CHAPTER 8 WHO BEARS THE BURDEN OF BAD DEBTS? ... 158
8.1 Share Holders of Financial Institutions 158
8.2 Private Clientele 159
8.3 Credit Insurance 160
8.4 Government Funding Scheme 161
CONCLUSIONS 166
APPENDIX 1 173
APPENDIX 2 174
APPENDIX 3 175
APPENDIX 4 176
APPENDIX 5 178
APPENDIX 6 179
APPENDIX 7 185
APPENDIX 8 186
APPENDIX 9 197
APPENDIX 10 199
APPENDIX 11 207
APPENDIX 12 214
BIBLIOGRAPHY 219
|
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| illustrated | Illustrated |
| indexdate | 2024-07-09T21:31:35Z |
| institution | BVB |
| isbn | 0864434839 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-017141337 |
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| physical | XII, 226 S. graph. Darst., Tab., Kt. |
| publishDate | 1994 |
| publishDateSearch | 1994 |
| publishDateSort | 1994 |
| publisher | Department of Economics, James Cook Univ. of North Queensland |
| record_format | marc |
| series2 | Research monograph |
| spelling | Fischer, Wolfgang Chr. 1942- Verfasser (DE-588)124415369 aut Consumer credit in North Queensland (Australia) Wolfgang Chr. Fischer and Andrew Massey Townsville Department of Economics, James Cook Univ. of North Queensland 1994 XII, 226 S. graph. Darst., Tab., Kt. txt rdacontent n rdamedia nc rdacarrier Research monograph Consumer credit Queensland Debtor and creditor Queensland Massey, Andrew Verfasser aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017141337&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Fischer, Wolfgang Chr. 1942- Massey, Andrew Consumer credit in North Queensland (Australia) Consumer credit Queensland Debtor and creditor Queensland |
| title | Consumer credit in North Queensland (Australia) |
| title_auth | Consumer credit in North Queensland (Australia) |
| title_exact_search | Consumer credit in North Queensland (Australia) |
| title_full | Consumer credit in North Queensland (Australia) Wolfgang Chr. Fischer and Andrew Massey |
| title_fullStr | Consumer credit in North Queensland (Australia) Wolfgang Chr. Fischer and Andrew Massey |
| title_full_unstemmed | Consumer credit in North Queensland (Australia) Wolfgang Chr. Fischer and Andrew Massey |
| title_short | Consumer credit in North Queensland (Australia) |
| title_sort | consumer credit in north queensland australia |
| topic | Consumer credit Queensland Debtor and creditor Queensland |
| topic_facet | Consumer credit Queensland Debtor and creditor Queensland |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017141337&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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