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Loans --- Consumer credit --- Consumer debt --- Borrowing --- Lending --- Loans for consumption --- Credit --- Finance --- Investments
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Au lendemain de la Seconde Guerre mondiale, le crédit à la consommation a mauvaise réputation. Accordé à des taux souvent élevés, il apparaît surtout contraire à la politique du crédit désormais nationalisé. Les priorités vont au financement de la production et non à la satisfaction des besoins des ménages. Toutefois, en 1953, la Reconstruction s’achève. L’objectif de l’industrie française n’est plus seulement de produire mais de vendre. Or, le pouvoir d’achat des Français reste faible. Soucieux d’accroître leurs débouchés, les industriels se mobilisent pour créer des organismes de crédit en partenariat avec de grandes banques. Le ministère des Affaires économiques les suit pour faire de ce crédit un moyen de relancer la croissance. Encore s’agit-il d’en assainir la distribution. Car, face aux besoins et à l’absence de réglementation, le « crédit noir », usuraire, prospère. C’est précisément à la construction du marché du crédit à la consommation dans les années 1950 et 1960 que ce livre est consacré. Pourquoi la constitution de grands établissements financiers a-t-elle été favorisée ? Comment les nouveaux prêteurs, Sofinco créé en 1951 et Cetelem en 1953, ont-ils évalué les risques du crédit aux particuliers ? La réglementation a-t-elle permis de lutter contre l’usure ? En revenant sur les origines du crédit à la consommation en France, cet ouvrage permet de mieux comprendre les enjeux de l’accès au crédit qui, à l’époque, soulevaient déjà des questions d’une étonnante actualité
Consumer credit --- Government policy --- Consumer debt --- Credit --- economic and financial history
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Academic research and policy discussions of credit markets usually focus on borrowing by firms and producers rather than by households, which are typically analyzed in terms of their savings and portfolio choices. The Economics of Consumer Credit brings together leading international researchers to focus specifically on consumer debt, presenting current empirical and theoretical research crucial to ongoing policy debates on such topics as privacy rules, the regulation of contractual responsibilities, financial stability, and overindebtedness.The rapidly developing consumer credit industry in the United States is mirrored by that in Europe, and this volume is noteworthy for its cross-national perspective. Several chapters compare the use of credit markets by households in different countries, while others focus on single country case studies--including consumer credit dynamics in Italy, the role of housing expenditure in the cyclical pattern of borrowing in the United Kingdom, and the use of credit cards by U.S. consumers--to illustrate general insights. Other chapters draw policy lessons from the U.S. experience with bankruptcy regulation and the development of the credit counseling industry. Finally, the book reviews historical, theoretical, and empirical aspects of information sharing, of particular interest in light of the integration of European Union credit markets.ContributorsCarol C. Bertaut, Giuseppe Bertola, Sarah Bridges, Luca Casolaro, Jonathan Crook, Richard Disney, Leonardo Gambacorta, Charles Grant, Luigi Guiso, Michael Haliassos, Andrew Henley, Robert M. Hunt, Tullio Jappelli, Nicola Jentzsch, Marco Pagano, Amparo San Jose Riestra, Michael Staten, Michelle J. White
Consumer credit --- Consumer credit. --- Finance --- Business & Economics --- Credit, Debt & Loans --- 332.743 --- Consumer debt --- Credit --- ECONOMICS/Microeconomics --- ECONOMICS/Finance
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"Credit reporting is a critical part of the financial system in most developed economies but is often weak or absent in developing countries. It addresses a fundamental problem of credit markets: asymmetric information between borrowers and lenders that can lead to adverse selection and moral hazard. The heart of a credit report is the record it provides of an individual's or a firm's payment history, which enables lenders to evaluate credit risk more accurately and lower loan processing time and costs. Credit reports also strengthen borrower discipline, since nonpayment with one institution results in sanctions with others." "This book provides the first comprehensive review of credit reporting systems worldwide and documents the rapid growth in the industry. It offers empirical and theoretical evidence of the impact of credit reporting on financial markets, using examples from both developed and developing economies. Credit reporting, it shows, significantly contributes to predicting default risk of potential borrowers, which promotes increased lending activity. The book also covers the role of public policy in the development of credit reporting initiatives, including the role of public credit registries managed by central banks; and the role of legal, regulatory, and institutional factors in supporting credit reporting."--Jacket.
Credit bureaus --- Consumer credit --- Credit --- Credit information services --- Credit reporting agencies --- Mercantile agencies --- Consumer debt --- Information services
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Consumer credit. --- Consumer debt --- Credit --- Consumer credit --- Loans, Personal --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- E-books
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Into the Red explores the emergence of a credit card market in post-Soviet Russia during the formative period from 1988 to 2007. In her analysis, Alya Guseva locates the dynamics of market building in the social structure, specifically the creative use of social networks. Until now, network scholars have overlooked the role that networks play in facilitating exchange in mass markets because they have exclusively focused on firm-to-firm or person-to-person ties. Into the Red demonstrates how networks that combine individuals and organizations help to build markets for mass consumption. The book is situated on the cutting edge of emerging interdisciplinary research, linking multiple layers of analysis with institutional evolution. Using an intricate framework, Guseva chronicles both the creation of a credit card market and the making of a mass consumer. These processes are placed in the context of the ongoing restructuring in postcommunist Russia and the expansion of Western markets and ideologies through the rest of the world.
Consumer credit - Russia (Federation). --- Credit cards --- Consumer credit --- Finance --- Business & Economics --- Credit, Debt & Loans --- Consumer debt --- Cards, Charge --- Cards, Credit --- Charge cards --- Credit --- Point-of-sale systems industry --- Charge accounts
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Banks and banking --- Consumer credit --- Credit cards --- Debt --- E-books --- Indebtedness --- Finance --- Cards, Charge --- Cards, Credit --- Charge cards --- Point-of-sale systems industry --- Charge accounts --- Consumer debt --- Credit --- Agricultural banks --- Banking --- Banking industry --- Commercial banks --- Depository institutions --- Financial institutions --- Money
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Produced under the auspices of an EU-funded Marie Curie research programme, this volume analyses vulnerability in European private law and scrutinises consumer protection in credit and investments in the context of the recent turmoil in financial markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, the disclosure of information, consumer confidence, the regulation of consumer investment services and the protection of bank depositors. The chapters emanate from the 'Consumer Protection in Europe: Theory and Practice' duo colloquium which explored consumer protection in Europe in its theoretical and practical dimensions. These topics are even more relevant today given the passage of the Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference, the Green Paper on European Contract Law and the ongoing deliberations surrounding the Common European Sales Law.
Consumer protection --- Consumer credit --- Investments --- Consumer debt --- Credit --- Consumerism --- Protection, Consumer --- Commercial policy --- Investing --- Investment management --- Portfolio --- Finance --- Disinvestment --- Loans --- Saving and investment --- Speculation --- Law and legislation --- Law --- General and Others
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In the United States, we now take our ability to pay with plastic for granted. In other parts of the world, however, the establishment of a ""credit-card economy"" has not been easy. In countries without a history of economic stability, how can banks decide who should be given a credit card? How do markets convince people to use cards, make their transactions visible to authorities, assume the potential risk of fraud, and pay to use their own money? Why should merchants agree to pay extra if customers use cards instead of cash? In Plastic Money, Akos Rona-Tas and Alya Gusev
Consumer credit -- Former communist countries. --- Credit cards -- Former communist countries. --- Post-communism -- Economic aspects. --- Credit cards --- Consumer credit --- Post-communism --- Finance --- Business & Economics --- Credit, Debt & Loans --- Economic aspects --- Economic aspects. --- Consumer debt --- Cards, Charge --- Cards, Credit --- Charge cards --- Postcommunism --- Credit --- Point-of-sale systems industry --- Charge accounts --- World politics --- Communism --- E-books
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Automobile insurance -- United States. --- Consumer credit -- United States. --- Credit scoring systems -- United States. --- Discrimination in insurance -- United States. --- Consumer credit --- Credit scoring systems --- Discrimination in insurance --- Automobile insurance --- Finance --- Business & Economics --- Credit, Debt & Loans --- Insurance --- Consumer debt --- Race discrimination in insurance --- Credit --- Credit analysis --- United States. --- FTC --- Federal Trade Commission (U.S.) --- Federalʹnai︠a︡ torgovai︠a︡ komissii︠a︡ SShA --- Interstate Trade Commission, 1914
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