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Young Consumers Credit Based Lifestyles And Payment Problems
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Book Synopsis Young Consumers' Credit Based Lifestyles and Payment Problems by : Anna-Riitta Lehtinen
Download or read book Young Consumers' Credit Based Lifestyles and Payment Problems written by Anna-Riitta Lehtinen and published by Nordic Council of Ministers. This book was released on 2005-02-01 with total page 103 pages. Available in PDF, EPUB and Kindle. Book excerpt: Content• Preface• Summary• Background and rationale of the study• Complexity of young consumers' credit-based lifestyles and payment problems• Research setting and research questions• Methods and materials• Consumption practices and credit use as lifestyle factors• Toward credit-based lifestyles• Discussion and conclusion.
Book Synopsis Consumers and Families as Market Actors by :
Download or read book Consumers and Families as Market Actors written by and published by . This book was released on 2002 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer Credit and the American Economy by : Thomas A. Durkin
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 528 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Consumer Credit in Europe by : Daniela Vandone
Download or read book Consumer Credit in Europe written by Daniela Vandone and published by Springer Science & Business Media. This book was released on 2009-07-21 with total page 142 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at a broad range of issues related to consumer credit in Europe. Focusing on both the supply and demand sides, it takes into account the structure and performance of financial intermediaries, the socio-demographic and economic profile of households and their risk of over-indebtedness, as well as the regulatory framework, such as the new Consumer Credit Directive. In the light of this analysis, measures for the prevention and management of over-indebtedness are presented. This book is essential for postgraduate students and specialists in financial institutions, for regulators and policy-makers who are in charge of efficiency and stability of financial systems.
Download or read book The Market Makers written by Peter Scott and published by Oxford University Press. This book was released on 2017 with total page 388 pages. Available in PDF, EPUB and Kindle. Book excerpt: Inter-war Britain saw a boom in 'mass markets' for consumer durables, such as new suites of furniture, radios, and electrical and gas appliances, while items like refrigerators, telephones, and automobiles didn't reach the mass market until the 1950s. Peter Scott explores these 'market makers' and how US innovations influenced British markets
Book Synopsis The Economics of Consumer Credit by : Giuseppe Bertola
Download or read book The Economics of Consumer Credit written by Giuseppe Bertola and published by MIT Press. This book was released on 2006 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.
Book Synopsis Bankruptcy Abuse Prevention and Consumer Protection Act of 2001 by : United States. Congress. House. Committee on the Judiciary
Download or read book Bankruptcy Abuse Prevention and Consumer Protection Act of 2001 written by United States. Congress. House. Committee on the Judiciary and published by . This book was released on 2001 with total page 500 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis De Gruyter Handbook of Personal Finance by : John E. Grable
Download or read book De Gruyter Handbook of Personal Finance written by John E. Grable and published by Walter de Gruyter GmbH & Co KG. This book was released on 2022-03-07 with total page 510 pages. Available in PDF, EPUB and Kindle. Book excerpt: The De Gruyter Handbook of Personal Finance provides a robust review of the core topics comprising personal finance, including the primary models, approaches, and methodologies being used to study particular topics that comprise the field of personal finance today. The contributors include many of the world’s leading personal finance researchers, financial service professionals, thought leaders, and leading contemporary figures conducting research in this area whose work has shaped—and continues to affect—the way that personal finance is conceptualized and practiced. The first section of the handbook provides a broad introduction to the discipline of personal finance. The following two sections are organized around the core elements of personal finance research and practice: saving, investing, asset management, and financial security. The fourth section introduces future research, practice, and policy directions. The handbook concludes with a discussion on an educational and research agenda for the future. This handbook will be a core reference work for researchers, financial service practitioners, educators, and policymakers and an excellent supplementary source of readings for those teaching undergraduate and graduate-level courses in personal finance, financial planning, consumer studies, and household finance.
Book Synopsis United States Congressional Serial Set, Serial No. 14720, House Reports Nos. 1-36 by :
Download or read book United States Congressional Serial Set, Serial No. 14720, House Reports Nos. 1-36 written by and published by Government Printing Office. This book was released on with total page 1406 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book College Success written by Amy Baldwin and published by . This book was released on 2020-03 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher : ISBN 13 : Total Pages :718 pages Book Rating :4.:/5 (327 download)
Book Synopsis The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions by : United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs
Download or read book The Fair Credit Reporting Act and Issues Presented by Reauthorization of the Expiring Preemption Provisions written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 2004 with total page 718 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Credit Card Nation The Consequences Of America's Addiction To Credit by : Robert D. Manning
Download or read book Credit Card Nation The Consequences Of America's Addiction To Credit written by Robert D. Manning and published by . This book was released on 2000-12-25 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit Card Nation is the first comprehensive look at an ongoing social and economic crisis-America's escalting dependence on credit. By locating consumer debt within the context of corporate and governmental debt.
Book Synopsis Transforming the Financial Landscape With ICTs by : Singh, Dharmendra
Download or read book Transforming the Financial Landscape With ICTs written by Singh, Dharmendra and published by IGI Global. This book was released on 2024-05-14 with total page 365 pages. Available in PDF, EPUB and Kindle. Book excerpt: In modern finance, academic scholars face a pressing dilemma - how to grapple with the sweeping influence of Information and Communication Technology (ICT). As ICT continues to transform financial practices, transactions, and data analysis, scholars are confronted with the daunting challenge of comprehending and navigating this rapidly changing terrain. Moreover, the disruptive potential of ICT introduces a range of intricate issues, including cybersecurity vulnerabilities, ethical quandaries, and privacy concerns. In the absence of a comprehensive guide, scholars find themselves adrift, searching for direction amidst the tumultuous waves of the digital revolution. Transforming the Financial Landscape With ICTs is a beacon of knowledge amid the turbulence of ICT-driven financial transformation. This meticulously curated book presents a vast array of research papers and case studies that delve deep into the multifaceted impact of ICT on the finance sector. It not only illuminates the path forward but also underscores the positive potential of embracing ICT as a catalyst for progress, championing efficiency, transparency, and inclusivity within finance.
Book Synopsis Collateral Damaged by : Charles R. Geisst
Download or read book Collateral Damaged written by Charles R. Geisst and published by John Wiley and Sons. This book was released on 2010-05-20 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: Sometime in the 1970s and 1980s, the use of credit cards, which had begun as a convenience, began to grow into an addiction. Collateral Damaged: The Marketing of Consumer Debt to America explains how a nation of savers became a nation of consumers and how Wall Street used consumers' addiction to spending to create the "toxic securities" that threaten to bring about the collapse of the global economy. Geisst looks at the policy implications of the credit crisis and describes how the United States can get its fiscal house in order: Debt must be brought back onto the issuer's balance sheet. Investors must have the assurance of recourse to the debt issuer's own funds, rather than the empty promise of a valueless document. Regulators must be educated to know at least as much about financial engineering as the structured finance instruments' architects do. This book connects the dots from consumer spending to credit cards to home-equity loans and back to credit cards.
Book Synopsis The Oxford Companion to the Economics of China by : Shenggen Fan
Download or read book The Oxford Companion to the Economics of China written by Shenggen Fan and published by Oxford University Press, USA. This book was released on 2014 with total page 645 pages. Available in PDF, EPUB and Kindle. Book excerpt: China's rise as an economic powerhouse raises a number of questions that are the subject of lively debate. How did the country do it? How applicable are the lessons of China's economic reform of the past thirty years to the challenges it faces in the next three decades? What does the detailed pattern of China's success and challenges look like the sub-sectoral and sub-national levels, and what does this mean for future policy? How will China's role as a global economic player evolve? This Oxford Companion to the Economics of China presents an original collection of perspectives on the Chinese economy's past, present and future. The contributors of these entries include: the best of young Chinese researchers based in China and outside; renowned academics from the top universities in China, Europe, and North America; present and past senior officials of international agencies like the World Bank and the International Monetary Fund; senior Chinese government officials from the Centre and the Provinces; and four recipients of the Nobel Prize in Economics. The Companion consists of 99 entries written by the leading China analysts of our time. The topics covered include: The China Model, Future Prospects for China , China and the Global Economy, Trade and the Chinese Economy, Macroeconomics and Finance, Urbanisation, Industry and Markets, Agriculture and Rural Development, Land, Infrastructure and Environment, Population and Labour, Dimensions of Wellbeing and Inequality, Health and Education, Gender Equity, Regional Divergence in China, and China's Provinces: Selected Perspectives. The Editors are four global leaders in Chinese economic analysis and policy who between them have held or hold the following positions: Director General, International Food Policy Research Institute; Co-Editor, China Economic Review; President Chinese Economists Society; Assistant Director of Research at the IMF; Principal Adviser to the Chief Economist of the World Bank; and Professors of Economics at Ivy League Universities.
Book Synopsis Zero Debt – Zero Stress by : Paul Evens Chery
Download or read book Zero Debt – Zero Stress written by Paul Evens Chery and published by Paul Evens Chery. This book was released on 2018-05-11 with total page 192 pages. Available in PDF, EPUB and Kindle. Book excerpt: Zero Debt - Zero Stress is a practical and effective way to help you get out of the debt used by a successful businessman called Dmitri who has experienced the worst nightmares of life, but who has overcome and surpass them after a deep awareness of his condition and finally being guided by a spiritual creature called Vester. The author exposes us the daily adventure disoriented, erroneous in an economic and psychological approach. The book is divided into three (3) parts: 1) My Current Situation 2) Get Out of Ignorance 3) The Four (4) Key Steps to Getting Out of Debt
Book Synopsis Discrimination, Vulnerable Consumers and Financial Inclusion by : Cătălin-Gabriel Stănescu
Download or read book Discrimination, Vulnerable Consumers and Financial Inclusion written by Cătălin-Gabriel Stănescu and published by Routledge. This book was released on 2020-12-28 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the questions of discrimination, vulnerable consumers, and financial inclusion in the light of the emerging legal, socioeconomic, and technological challenges. New technologies – such as artificial intelligence-driven consumer credit risk assessment and Fintech platforms, the changing nature of vulnerability due to the ongoing COVID-19 pandemic, as well as the sophistication of digital technologies, which help circumvent legal barriers and protections – necessitate the continuous study of the existing legal frameworks and measures that are capable of tackling these challenges. Organized in two major parts, the first addresses, from multiple national angles, the idea of a human rights approach to consumer law, in order to replace the mantra of economic efficiency that characterizes financial services with those of human dignity and freedom from discrimination and from debt-induced servitude. The second tackles the challenges posed by increased usage of technology in connection with financial services, which tends to solve, but also creates, additional issues for consumers in general, and for vulnerable groups in particular.
