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Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU.
Consumer credit --- Loans, Personal --- Debt --- Consumer debt --- Credit --- Indebtedness --- Finance --- Consumer loans --- Loans, Consumer --- Loans, Small --- Personal loans --- Small loans --- Loans --- Law and legislation
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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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Sound financial stability assessments necessitate intensive analysis of different sectors, namely, the household sector, the corporate sector, the real estate sector, the government sector, and the non-bank financial sector. This volume provides a complete analysis and risk assessment of each of these sectors which make up the subtle and intricate fabric which contribute to financial stability. The book considers:micro-prudential and macro-prudential regulations and how they constitute core ingredients to ensure a sound and smooth functioning financial system; the role of household debt as a coveted economic indicator of the building up of financial instability pressures; the relation of the real estate sector to the prevalence of financial crises through asset price bubbles; the role of the corporate sector in financial stability risk analysis. In particular, the balance sheets of the corporate sector are widely examined to uncover feasible risks to financial stability; the role of the government sector, with particular emphasis being laid on public debt management. This book will prove valuable to central bankers, economists, and policy-makers who are involved in the field of financial stability, as well as researchers studying the field.
Real estate business. --- Commercial credit. --- Business credit --- Credit --- Real estate companies --- Real estate industry --- Business --- Land use --- Real estate investment --- Finance --- Real estate business --- Commercial credit --- Consumer credit --- Consumer debt --- Funding --- Funds --- Economics --- Currency question --- E-books --- Finance. --- Consumer credit. --- Business & Economics --- General.
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A decade after the Global Financial Crisis and Great Recession, developed economies continue to struggle under excessive household debt. While exacerbating inequality and political unrest, this debt - when combined with wage stagnation and a shrinking welfare state - has played a key role in maintaining economic growth and allowing households faced with rising costs of living to make ends meet. In Bankruptcy: The Case for Relief in an Economy of Debt, Joseph Spooner examines this economic model and finds it increasingly unsustainable. In a call to action to reduce debt burden, he turns to bankruptcy law, which is uniquely situated as a mechanism of social insurance against the risks of a debt-dependent economy. This book should be read by anyone interested in understanding the problem of consumer debt and how best to address it.
Bankruptcy --- Debt relief --- Consumer credit --- Finance, Personal --- LAW / Corporate. --- Financial management, Personal --- Financial planning, Personal --- Personal finance --- Personal financial management --- Personal financial planning --- Finance --- Financial literacy --- Cessio bonorum --- Insolvency --- Privileged debts --- Business failures --- Commercial law --- Debt --- Consumer debt --- Credit --- Debt renegotiation --- Debt rescheduling --- Debt restructuring --- Relief, Debt --- Renegotiation, Debt --- Rescheduling, Debt --- Restructuring, Debt --- Debtor and creditor --- Law and legislation --- Economic aspects. --- Government policy. --- Planning --- Consumer bankruptcy
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