consumer credit debt and investment in europe

Download Book Consumer Credit Debt And Investment In Europe in PDF format. You can Read Online Consumer Credit Debt And Investment In Europe here in PDF, EPUB, Mobi or Docx formats.

Consumer Credit Debt And Investment In Europe

Author : James Devenney
ISBN : 9781107013025
Genre : Law
File Size : 20. 17 MB
Format : PDF, ePub, Mobi
Download : 172
Read : 709

Get This Book


"This topical collection of essays emanates from the Consumer Protection in Europe: Theory and Practice duo colloquium in December 2009. That conference explored consumer protection in Europe and covered topics which are even more relevant today given the revisions to the proposed Consumer Rights Directive, the appointment of an Expert Group on a common frame of reference and the Green Paper on European Contract Law. It was organised within the work programme Credit and Debt: Protecting the Vulnerable in Europe - a project placing emphasis on vulnerability in financial transactions. This volume focuses on consumer protection in credit and investments in the context of unprecedented turmoil in those markets and EU harmonisation initiatives in the area. It explores key issues such as responsible lending, information disclosure, consumer confidence, the regulation of consumer investment services and the protection of bank depositors"--

Bankvertragsrecht 2

Author :
ISBN : 9783110387209
Genre : Law
File Size : 45. 7 MB
Format : PDF
Download : 788
Read : 512

Get This Book


Der zuerst vorgelegte zweite Teilband zum Bankvertragsrecht (HGB) behandelt die beiden Hauptstücke des sog. Commercial Banking, das Zahlungsgeschäft und das Kreditgeschäft. Besonders ausgeprägt sind gerade hier das Denken auf der Grundlage eines Europäischen, teils auch internationalen, Normhintergrundes und die Einbeziehung des grenzüberschreitenden Geschäfts. Beide Teile sind eng aufeinander bezogen, parallel gegliedert und in der Problemsicht vergleichbar konzipiert. Letztverantwortlich für den Teil zum Zahlungsgeschäft ist Stefan Grundmann, für den Teil zum Kreditgeschäft Moritz Renner.

European Consumer Protection

Author : James Devenney
ISBN : 9781107013018
Genre : Law
File Size : 88. 49 MB
Format : PDF, Mobi
Download : 422
Read : 664

Get This Book


This topical volume provides detailed analyses of European consumer protection law in both its theoretical and practical dimensions. Part I casts a critical light over consumer protection strategies and mechanisms in the EU, Part II critically explores responses to vulnerability and Part III contextualises aspects of European consumer protection law.

Payday Lending

Author : Carl Packman
ISBN : 9781137361103
Genre : Business & Economics
File Size : 89. 2 MB
Format : PDF, ePub, Mobi
Download : 721
Read : 1004

Get This Book


Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.

Consumer Debt And Social Exclusion In Europe

Author : Hans-W. Micklitz
ISBN : 9781317161264
Genre : Law
File Size : 42. 95 MB
Format : PDF, ePub
Download : 251
Read : 1016

Get This Book


This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.

The Law And Consumer Credit Information In The European Community

Author : Federico Ferretti
ISBN : 9781134044481
Genre : Business & Economics
File Size : 61. 53 MB
Format : PDF, Docs
Download : 807
Read : 562

Get This Book


Consumer credit information systems are the tools used by the majority of lenders to manage credit risk, with lenders accessing credit reference databases managed by third party providers to evaluate a consumer’s credit application. So far, the subject of consumer credit reporting has been left to the predominant attention of the economic and business management scholarship and little or no consideration has been paid by lawyers. This book aims to rectify this by examining the legal framework and compliance in the European Community (EC) of such consumer information sharing arrangements which have become increasingly integrated in the credit granting practices of the Member States. The book looks at the laws which surround and affect consumer credit reporting, including bank secrecy obligations. Consumer credit reporting and its relationship to human rights is also explored, as every individual is in the EC is entitled to informational privacy. The book asks questions such as to what extent should the privacy of consumers be balanced against the aims and functions of consumer credit reporting, and how do the financial information sharing arrangements comply with the positive law, particularly the European data protection legislation?

Banking For People

Author : Udo Reifner
ISBN : 3110126753
Genre : Business & Economics
File Size : 63. 5 MB
Format : PDF, Mobi
Download : 921
Read : 170

Get This Book


This book contains empirical research on social and economic aspects of credit and debt, descriptions and assessments of legal framework realting to credit and overindebtedness in European countries and the US, social policy initiatives, reviews of new models of banking and new theoretical approaches to social issues in a market society.

Consumer Credit And The American Economy

Author : Thomas A. Durkin
ISBN : 9780199384969
Genre : Business & Economics
File Size : 63. 3 MB
Format : PDF, ePub
Download : 104
Read : 613

Get This Book


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.

The Fragile Middle Class

Author : Teresa A Sullivan
ISBN : 0300091710
Genre : Business & Economics
File Size : 38. 92 MB
Format : PDF, Mobi
Download : 842
Read : 209

Get This Book


More than a million American families now file for federal bankruptcy annually, & many more are perilously close to financial disaster. In this important analysis of hard-pressed families, recently featured in articles in Newsweek, Forbes, Chronicle of Higher Education, & the New York Times, the authors discover that financial stability for many middle-class Americans is all too fragile. The authors consider the changing cultural & economic factors that threaten financial security & what they imply for the future vitality of the middle class.

The Economic Crisis In Social And Institutional Context

Author : Sebastiano Fadda
ISBN : 9781317617419
Genre : Business & Economics
File Size : 74. 55 MB
Format : PDF, Docs
Download : 541
Read : 1206

Get This Book


This book explores the foundations of the current economic crisis. Offering a heterodox approach to interpretation it examines the policies implemented before and during the crisis, and the main institutions that shaped the model of advanced economies, particularly in the last two decades. The first part of the book provides a theoretical analysis of the crisis. The roots of the ‘great recession’ are divided into fundamentals with origins in financial liberalisation, financial innovation and income distribution, and complementary or contributory factors such as the international imbalances, the monetary policy,and the role of credit rating agencies. Part II suggests various paths to recovery while emphasising that it will be necessary to develop alternative strategies for sustainable economic recovery and growth. These strategies will require genuine political support and a new 'great European vision' to address major issues concerning the EU such as unemployment, structural regional differences and federalism. Drawing on various schools of thought, this book explains the complexities of the crisis through a wider evolutionary-institutional and heterodox framework.

Top Download:

Best Books