The Economics of Consumer CreditProfessor of Economic Policy Faculty of Political Science Giuseppe Bertola, Giuseppe Bertola, Richard Disney, Charles Benedict Grant MIT Press, 2006 - Всего страниц: 378 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. Contributors: Carol 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 |
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Содержание
1 The Economics of Consumer Credit Demand and Supply | 1 |
2 Consumer Credit Markets in the United States and Europe | 27 |
A CrossCountry Comparison | 63 |
Lessons from Italy | 93 |
Evidence from UK Households | 135 |
Facts and Theories | 181 |
Theory and US Evidence | 239 |
8 The Evolution of the Credit Counseling Industry in the United States | 275 |
9 Development and Regulation of Consumer Credit Reporting in the United States | 301 |
10 The Role and Effects of Credit Information Sharing | 347 |
Contributors | 373 |
375 | |
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The Economics of Consumer Credit Giuseppe Bertola,Charles Grant,Richard Disney Недоступно для просмотра - 2008 |
Часто встречающиеся слова и выражения
accounts adverse selection average bank-type card bank-type credit card bankruptcy exemptions bankruptcy filing banks behavior benefit borrowers card ownership cardholders chapter coefficients competition consumer credit consumer’s consumption costs counseling agencies countries credit bureaus credit card debt credit constraints credit counseling credit markets credit reports credit scores creditors debit card debtors default defined Definition demand difficult DMPs Economic effect efficient equity withdrawal European exemption levels figure file for bankruptcy filing for bankruptcy finance financial find findings firms first five Guiso higher home ownership house prices household debt housing equity housing wealth income increase industry information sharing interest rates Italian Italy Jappelli lenders lending less mortgage NFCC nonprofit Office Pagano payment PCRs percent period personal bankruptcy reflect regulation repay repayment retailers revolving credit ruptcy significant social capital specific statistics sumer survey Table tion United Kingdom unsecured debt utility variables