Consumer Credit Debt And Investment In Europe

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Consumer Credit, Debt and Investment in Europe

James Devenney,Mel Kenny
Consumer Credit Debt and Investment in Europe Book PDF

Author : James Devenney,Mel Kenny
Publisher : Unknown
Page : 327 pages
File Size : 50,7 Mb
Release : 2012
Category : Consumer credit
ISBN : 1139526006

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Consumer Credit, Debt and Investment in Europe by James Devenney,Mel Kenny Pdf

"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"--

Consumer Debt and Social Exclusion in Europe

Hans-W. Micklitz,Irina Domurath
Consumer Debt and Social Exclusion in Europe Book PDF

Author : Hans-W. Micklitz,Irina Domurath
Publisher : Routledge
Page : 258 pages
File Size : 45,7 Mb
Release : 2016-03-09
Category : Law
ISBN : 9781317161264

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Consumer Debt and Social Exclusion in Europe by Hans-W. Micklitz,Irina Domurath Pdf

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.

Consumer Credit in Europe

Daniela Vandone
Consumer Credit in Europe Book PDF

Author : Daniela Vandone
Publisher : Physica
Page : 134 pages
File Size : 54,8 Mb
Release : 2009-08-29
Category : Business & Economics
ISBN : 3790821020

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Consumer Credit in Europe by Daniela Vandone Pdf

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.

Consumer Credit in Europe

Daniela Vandone
Consumer Credit in Europe Book PDF

Author : Daniela Vandone
Publisher : Physica
Page : 134 pages
File Size : 47,8 Mb
Release : 2009-07-20
Category : Business & Economics
ISBN : 3790821004

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Consumer Credit in Europe by Daniela Vandone Pdf

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.

Consumer Debt and Social Exclusion in Europe

Hans-W. Micklitz,Irina Domurath
Consumer Debt and Social Exclusion in Europe Book PDF

Author : Hans-W. Micklitz,Irina Domurath
Publisher : Lund Humphries Publishers
Page : 256 pages
File Size : 44,5 Mb
Release : 2015-06-01
Category : Bankruptcy
ISBN : 1472449045

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Consumer Debt and Social Exclusion in Europe by Hans-W. Micklitz,Irina Domurath Pdf

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.

Banking for People

Udo Reifner,Janet Ford
Banking for People Book PDF

Author : Udo Reifner,Janet Ford
Publisher : Walter de Gruyter GmbH & Co KG
Page : 708 pages
File Size : 43,8 Mb
Release : 2019-05-20
Category : Business & Economics
ISBN : 9783110846034

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Banking for People by Udo Reifner,Janet Ford Pdf

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Consumer Credit, Debt and Investment in Europe

James Devenney,Mel Kenny
Consumer Credit Debt and Investment in Europe Book PDF

Author : James Devenney,Mel Kenny
Publisher : Cambridge University Press
Page : 337 pages
File Size : 41,7 Mb
Release : 2012-07-12
Category : Law
ISBN : 9781139536554

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Consumer Credit, Debt and Investment in Europe by James Devenney,Mel Kenny Pdf

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.

Personal Debt in Europe

Federico Ferretti,Daniela Vandone
Personal Debt in Europe Book PDF

Author : Federico Ferretti,Daniela Vandone
Publisher : Cambridge University Press
Page : 257 pages
File Size : 49,7 Mb
Release : 2019-04-25
Category : Business & Economics
ISBN : 9781108426732

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Personal Debt in Europe by Federico Ferretti,Daniela Vandone Pdf

Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.

Managing the Sovereign-Bank Nexus

Mr.Giovanni Dell'Ariccia,Caio Ferreira,Nigel Jenkinson,Mr.Luc Laeven,Alberto Martin,Ms.Camelia Minoiu,Alex Popov
Managing the Sovereign Bank Nexus Book PDF

Author : Mr.Giovanni Dell'Ariccia,Caio Ferreira,Nigel Jenkinson,Mr.Luc Laeven,Alberto Martin,Ms.Camelia Minoiu,Alex Popov
Publisher : International Monetary Fund
Page : 54 pages
File Size : 51,8 Mb
Release : 2018-09-07
Category : Business & Economics
ISBN : 9781484359624

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Managing the Sovereign-Bank Nexus by Mr.Giovanni Dell'Ariccia,Caio Ferreira,Nigel Jenkinson,Mr.Luc Laeven,Alberto Martin,Ms.Camelia Minoiu,Alex Popov Pdf

This paper reviews empirical and theoretical work on the links between banks and their governments (the bank-sovereign nexus). How significant is this nexus? What do we know about it? To what extent is it a source of concern? What is the role of policy intervention? The paper concludes with a review of recent policy proposals.

Rethinking EU Consumer Law

Geraint Howells,Christian Twigg-Flesner,Thomas Wilhelmsson
Rethinking EU Consumer Law Book PDF

Author : Geraint Howells,Christian Twigg-Flesner,Thomas Wilhelmsson
Publisher : Routledge
Page : 350 pages
File Size : 46,9 Mb
Release : 2017-07-28
Category : Law
ISBN : 9781351675321

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Rethinking EU Consumer Law by Geraint Howells,Christian Twigg-Flesner,Thomas Wilhelmsson Pdf

In Rethinking EU Consumer Law, the authors analyse the development of EU consumer law on the basis of a number of clear themes, which are then traced through specific areas. Recurring themes include the artificiality of the EU’s consumer image, the problems created by the drive towards maximum harmonisation, and the unexpected effects EU Consumer Law has had on national law. The book argues that EU Consumer Law has the potential of enhancing the protecting of consumers throughout the EU and could offer a model for consumer law elsewhere in the world, but in order to unlock this potential, there needs to be a rethink with regard to the EU’s approach to consumer law and policy.

The Regulation of Consumer Credit

Sarah Brown
The Regulation of Consumer Credit Book PDF

Author : Sarah Brown
Publisher : Edward Elgar Publishing
Page : 256 pages
File Size : 52,8 Mb
Release : 2019
Category : Law
ISBN : 9781784712495

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The Regulation of Consumer Credit by Sarah Brown Pdf

This incisive book gives a comprehensive overview of the regulation of consumer credit in both the US and the UK. It covers policy, procedure and the dynamics of the consumer credit relationship to advocate for a balanced approach in achieving more effective consumer protection.

Nigerian Consumer Credit

Philemon Iko-Ojo Omede
Nigerian Consumer Credit Book PDF

Author : Philemon Iko-Ojo Omede
Publisher : Springer Nature
Page : 347 pages
File Size : 43,7 Mb
Release : 2022-08-30
Category : Business & Economics
ISBN : 9783031117404

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Nigerian Consumer Credit by Philemon Iko-Ojo Omede Pdf

This book critically reviews transnational banking regulations that specifically impact consumer lending in Africa's largest economy. It provides a comprehensive analysis on the politics and economics of financial sector consolidation in an emerging market in West Africa, also covering law, consumer credit, and consumer policy along with a discussion of banking sector reforms heavily influenced by the neoliberal economics paradigm. There have been several developments since the publication of the existing books especially in the area of regulatory theory and social protection that are captured in this book, which will be of interest to researchers, students, and scholars of banking regulation, development economics, and international finance.

Global Waves of Debt

M. Ayhan Kose,Peter Nagle,Franziska Ohnsorge,Naotaka Sugawara
Global Waves of Debt Book PDF

Author : M. Ayhan Kose,Peter Nagle,Franziska Ohnsorge,Naotaka Sugawara
Publisher : World Bank Publications
Page : 403 pages
File Size : 52,9 Mb
Release : 2021-03-03
Category : Business & Economics
ISBN : 9781464815454

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Global Waves of Debt by M. Ayhan Kose,Peter Nagle,Franziska Ohnsorge,Naotaka Sugawara Pdf

The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.

The Images of the Consumer in EU Law

Dorota Leczykiewicz,Stephen Weatherill
The Images of the Consumer in EU Law Book PDF

Author : Dorota Leczykiewicz,Stephen Weatherill
Publisher : Bloomsbury Publishing
Page : 488 pages
File Size : 55,5 Mb
Release : 2016-01-28
Category : Law
ISBN : 9781509900367

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The Images of the Consumer in EU Law by Dorota Leczykiewicz,Stephen Weatherill Pdf

This book consists of contributions exploring from different perspectives the 'images' of the consumer in EU law. The images of the consumer form the foundation for various EU policies, more or less directly oriented towards the goal of consumer protection. The purpose of the volume is to establish what visions of the consumer there are in different contexts of EU law, whether they are consistent, and whether EU law's engagement with consumer-related considerations is sincere or merely instrumental to the achievement of other goals. The chapters discuss how consumers should be protected in EU contract, competition, free movement and trade mark law. They reflect on the limits of the consumer empowerment rationale as the basis for EU consumer policy. The chapters look also at the variety of concerns consumers might have, including the cost of goods and services, access to credit, ethical questions of consumption, the challenges of excessive choice and the possibility to influence the content of regulatory measures, and explore the significance of these issues for the EU's legislative and judicial process.

Creditworthiness and 'Responsible Credit'

Noah Vardi
Creditworthiness and Responsible Credit Book PDF

Author : Noah Vardi
Publisher : BRILL
Page : 287 pages
File Size : 41,7 Mb
Release : 2022-09-12
Category : Law
ISBN : 9789004525054

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Creditworthiness and 'Responsible Credit' by Noah Vardi Pdf

In this comparative study in US and EU law, Noah Vardi questions whether there is a legally enforceable duty to lend and borrow credit in a “responsible” manner and clarifies the associated notion of “creditworthiness.”