Consumer credit in Europe: risks and opportunities of a dynamic industry
Saved in:
| Main Author: | |
|---|---|
| Format: | Book |
| Language: | English |
| Published: |
Heidelberg [u.a]
Physica-Verl.
2009
|
| Series: | Contributions to Economics
|
| Subjects: | |
| Online Access: | Inhaltsverzeichnis |
| Item Description: | Literaturverz. S. 129 - 134 |
| Physical Description: | XIII, 134 S. graph. Darst. |
| ISBN: | 9783790821000 9783790821017 |
Staff View
MARC
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| 100 | 1 | |a Vandone, Daniela |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a Consumer credit in Europe |b risks and opportunities of a dynamic industry |c Daniela Vandone |
| 264 | 1 | |a Heidelberg [u.a] |b Physica-Verl. |c 2009 | |
| 300 | |a XIII, 134 S. |b graph. Darst. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 490 | 0 | |a Contributions to Economics | |
| 500 | |a Literaturverz. S. 129 - 134 | ||
| 650 | 7 | |a EU-Bankrecht |2 stw | |
| 650 | 7 | |a EU-Binnenmarkt |2 stw | |
| 650 | 7 | |a EU-Staaten |2 stw | |
| 650 | 7 | |a Kreditmarkt |2 stw | |
| 650 | 7 | |a Kreditvertragsrecht |2 stw | |
| 650 | 7 | |a Private Verschuldung |2 stw | |
| 650 | 7 | |a Verbraucherkredit |2 stw | |
| 650 | 4 | |a Consumer credit |z Europe | |
| 650 | 0 | 7 | |a Konsumentenkredit |0 (DE-588)4032243-9 |2 gnd |9 rswk-swf |
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Record in the Search Index
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|---|---|
| adam_text | Contents
Introduction
................................................................. 1
1
Structure
of the Book
.................................................... 2
2
Main Findings
............................................................ 4
1
The Determinants of Consumer Credit: A Review
of the Literature
............................................................ 7
1.1
Introduction
............................................................ 7
1.2
The Life-Cycle and Permanent Income Theories
...................... 8
1.2.1
Credit Demand Factors
......................................... 9
1.2.2
Credit Supply Factors
........................................ 11
1.3
Empirical Findings
................................................... 12
1.3.1
Participation in the Credit Market
........................... 12
1.3.2
Level of Borrowing
.......................................... 16
1.3.3
Cross-Country Analyses
..................................... 16
1.3.4
Over-Indebtedness
............................................ 17
1.3.5
Credit Constraints
............................................ 18
1.4
Behavioural Economics
.............................................. 19
1.5
Summary of the Determinants of the Demand for and Supply
of Consumer Credit
.................................................. 21
2
Household Consumer Credit Demand
................................... 23
2.1
Introduction
.......................................................... 23
2.2
Consumer Credit in Europe
.......................................... 23
2.2.1
The Diffusion of Consumer Credit
.......................... 24
2.2.2
Consumer Credit Growth Rates
.............................. 29
2.2.3
Heterogeneous Markets: Possible Causes
................... 30
2.3
Characteristics of Indebted Households
............................. 32
2.3.1
The Purpose of the Analysis
................................. 33
2.3.2
Results and Remarks
......................................... 36
Appendix
.................................................................... 43
Contents
3
The Profitability of the Consumer Credit Industry
.................... 45
3.1
Introduction
..........................................................
45
3.2
The Consumer Credit Industry: Main Features
...................... 46
3.2.1
Consumer Credit Lenders
.................................... 46
3.2.2
Consumer Credit Products
................................... 47
3.3.
Profitability Analysis of a Sample of Specialised Consumer
Credit Companies
.................................................... 52
3.3.1
Objectives and Methodology
................................. 52
3.3.2
The Sample
................................................... 53
3.3.3
MainResults
................................................. 55
Appendix
.................................................................... 64
4
From Indebtedness to Over-Indebtedness
............................... 69
4.1
Introduction
.......................................................... 69
4.2
Over-Indebtedness: Defining Features
............................... 69
4.2.1
Measuring Over-Indebtedness
............................... 71
4.2.2
Possible Causes of Over-Indebtedness
....................... 73
4.3
Policy Measures for the Prevention and Management of
Over-Indebtedness
.................................................... 75
4.3.1
Financial Education
.......................................... 81
4.3.2
Debt Counselling Agencies
.................................. 84
4.3.3
CreditBureau
................................................. 85
4.3.4
Transparent Information
..................................... 87
4.3.5
Responsible Arrears Management
........................... 88
4.3.6
Interest Rate Ceilings and Usury Laws
...................... 88
4.3.7
Debt Settlement Procedures
.................................. 89
Appendix
.................................................................... 92
5
Regulatory Framework
................................................. 101
5.1
Introduction
......................................................... 101
5.2
The New Consumer Credit Directive
............................... 102
5.3
Information Requirements for Consumer Credit Agreements
...... 104
5.3.1
Advertising
.................................................. 105
5.3.2
Pre-Contractual Information
................................ 105
5.3.3
Information to be Included in the Credit Agreement
....... 110
5.3.4
Information to be Provided Throughout the
Duration of the Contract
.................................... 110
5.4
Assessment of Creditworthiness
.................................... 114
5.5
Protection of Other Consumer Rights
.............................. 116
5.6
The Supervision of Creditors and Credit Intermediaries
........... 119
5.7
Further Remarks
..................................................... 123
Appendix
.................................................................. 126
References
................................................................ 129
|
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| geographic | Europa - Konsumentenkredit - Kreditwesen Europa Europa (DE-588)4015701-5 gnd |
| geographic_facet | Europa - Konsumentenkredit - Kreditwesen Europa |
| id | DE-604.BV035503795 |
| illustrated | Illustrated |
| indexdate | 2024-07-09T21:39:05Z |
| institution | BVB |
| isbn | 9783790821000 9783790821017 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-017559971 |
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| physical | XIII, 134 S. graph. Darst. |
| publishDate | 2009 |
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| publisher | Physica-Verl. |
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| series2 | Contributions to Economics |
| spelling | Vandone, Daniela Verfasser aut Consumer credit in Europe risks and opportunities of a dynamic industry Daniela Vandone Heidelberg [u.a] Physica-Verl. 2009 XIII, 134 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Contributions to Economics Literaturverz. S. 129 - 134 EU-Bankrecht stw EU-Binnenmarkt stw EU-Staaten stw Kreditmarkt stw Kreditvertragsrecht stw Private Verschuldung stw Verbraucherkredit stw Consumer credit Europe Konsumentenkredit (DE-588)4032243-9 gnd rswk-swf Kreditwesen (DE-588)4032950-1 gnd rswk-swf Europa - Konsumentenkredit - Kreditwesen Europa Europa (DE-588)4015701-5 gnd rswk-swf Europa (DE-588)4015701-5 g Konsumentenkredit (DE-588)4032243-9 s Kreditwesen (DE-588)4032950-1 s DE-604 Digitalisierung UB Regensburg application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017559971&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Vandone, Daniela Consumer credit in Europe risks and opportunities of a dynamic industry EU-Bankrecht stw EU-Binnenmarkt stw EU-Staaten stw Kreditmarkt stw Kreditvertragsrecht stw Private Verschuldung stw Verbraucherkredit stw Consumer credit Europe Konsumentenkredit (DE-588)4032243-9 gnd Kreditwesen (DE-588)4032950-1 gnd |
| subject_GND | (DE-588)4032243-9 (DE-588)4032950-1 (DE-588)4015701-5 |
| title | Consumer credit in Europe risks and opportunities of a dynamic industry |
| title_auth | Consumer credit in Europe risks and opportunities of a dynamic industry |
| title_exact_search | Consumer credit in Europe risks and opportunities of a dynamic industry |
| title_full | Consumer credit in Europe risks and opportunities of a dynamic industry Daniela Vandone |
| title_fullStr | Consumer credit in Europe risks and opportunities of a dynamic industry Daniela Vandone |
| title_full_unstemmed | Consumer credit in Europe risks and opportunities of a dynamic industry Daniela Vandone |
| title_short | Consumer credit in Europe |
| title_sort | consumer credit in europe risks and opportunities of a dynamic industry |
| title_sub | risks and opportunities of a dynamic industry |
| topic | EU-Bankrecht stw EU-Binnenmarkt stw EU-Staaten stw Kreditmarkt stw Kreditvertragsrecht stw Private Verschuldung stw Verbraucherkredit stw Consumer credit Europe Konsumentenkredit (DE-588)4032243-9 gnd Kreditwesen (DE-588)4032950-1 gnd |
| topic_facet | EU-Bankrecht EU-Binnenmarkt EU-Staaten Kreditmarkt Kreditvertragsrecht Private Verschuldung Verbraucherkredit Consumer credit Europe Konsumentenkredit Kreditwesen Europa - Konsumentenkredit - Kreditwesen Europa |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=017559971&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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