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Author : Richard E. Beck (Jr.),Kathlyn L. Farrell,American Bankers Association
Publisher : Unknown
Page : 448 pages
File Size : 52,8 Mb
Release : 2009
Category : Bank loans
ISBN : 089982630X
Author : Paul Beares
Publisher : Unknown
Page : 356 pages
File Size : 41,9 Mb
Release : 1992
Category : Business & Economics
ISBN : 0899823343
Author : David Lawrence,Arlene Solomon
Publisher : Unknown
Page : 128 pages
File Size : 47,8 Mb
Release : 2012-03-16
Category : Business & Economics
ISBN : 9780971753716
Author : David B. Lawrence
Publisher : Unknown
Page : 428 pages
File Size : 45,8 Mb
Release : 1992
Category : Consumer credit
ISBN : UOM:39015029749424
Author : Lyn C. Thomas
Publisher : OUP Oxford
Page : 400 pages
File Size : 53,5 Mb
Release : 2009-01-29
Category : Business & Economics
ISBN : 9780191552496
The use of credit scoring - the quantitative and statistical techniques to assess the credit risks involved in lending to consumers - has been one of the most successful if unsung applications of mathematics in business for the last fifty years. Now with lenders changing their objectives from minimising defaults to maximising profits, the saturation of the consumer credit market allowing borrowers to be more discriminating in their choice of which loans, mortgages and credit cards to use, and the Basel Accord banking regulations raising the profile of credit scoring within banks there are a number of challenges that require new models that use credit scores as inputs and extensions of the ideas in credit scoring. This book reviews the current methodology and measures used in credit scoring and then looks at the models that can be used to address these new challenges. The first chapter describes what a credit score is and how a scorecard is built which gives credit scores and models how the score is used in the lending decision. The second chapter describes the different ways the quality of a scorecard can be measured and points out how some of these measure the discrimination of the score, some the probability prediction of the score, and some the categorical predictions that are made using the score. The remaining three chapters address how to use risk and response scoring to model the new problems in consumer lending. Chapter three looks at models that assist in deciding how to vary the loan terms made to different potential borrowers depending on their individual characteristics. Risk based pricing is the most common approach being introduced. Chapter four describes how one can use Markov chains and survival analysis to model the dynamics of a borrower's repayment and ordering behaviour . These models allow one to make decisions that maximise the profitability of the borrower to the lender and can be considered as part of a customer relationship management strategy. The last chapter looks at how the new banking regulations in the Basel Accord apply to consumer lending. It develops models that show how they will change the operating decisions used in consumer lending and how their need for stress testing requires the development of new models to assess the credit risk of portfolios of consumer loans rather than a models of the credit risks of individual loans.
Author : Teplý, Petr
Publisher : Charles University in Prague, Karolinum Press
Page : 188 pages
File Size : 42,7 Mb
Release : 2016-01-01
Category : Business & Economics
ISBN : 9788024632360
This book deals with consumer lending from both theoretical and empirical points of view. In the theoretical section, it book analyses the wider context of financial literacy, household indebtedness and the global consumer credit market including relevant legal, regulatory and risk management issues. In the empirical section, the book uses The Navigator of Responsible Lending as an evaluation tool to assess both bank and non-bank consumer credit providers in the Czech Republic. Although our empirical research is done as a case study on the Czech Republic, its basic ideas might be easily applied to other countries as well. Enclosures to the book include additional texts relevant to consumer lending (including case studies and an unofficial English translation of the Czech Consumer Credit Act) and therefore provide the reader with several perspectives on the topic.
Author : Steve Bang
Publisher : Unknown
Page : 128 pages
File Size : 48,5 Mb
Release : 2018-05
Category : Electronic
ISBN : 155322373X
Author : Thomas A. Durkin,Gregory Elliehausen,Michael E. Staten,Todd J. Zywicki
Publisher : Financial Management Associati
Page : 737 pages
File Size : 51,6 Mb
Release : 2014
Category : Business & Economics
ISBN : 9780195169928
This article provides an introduction to a law review symposium by the Journal of Law, Economics, and Policy on our book (co-authored with Michael E. Staten), Consumer Credit and the American Economy (Oxford 2014). The conference, held November 2014, collects several articles responding to and building on the research agenda laid out by our book. For those who have not read the book, this article is intended to summarize several of the main themes of the book, including discussion of economic models of consumer credit usage, trends in consumer credit usage over time, the use of high-cost credit, and behavioral economics.
Author : Karen Fairweather,Paul O'Shea,Ross Grantham
Publisher : Taylor & Francis
Page : 262 pages
File Size : 42,7 Mb
Release : 2016-10-14
Category : Law
ISBN : 9781317158080
Consumer law, particularly consumer credit law, is characterised by increasingly complex regulation in Western economies. Reacting to the Global Financial Crisis, governments in the UK, the EU, Australia, New Zealand and the United States have adopted new laws dealing with consumer credit, responsible lending, consumer guarantees and unfair contracts. Drawing together authors from all of these jurisdictions, this book analyses and evaluates these initiatives, and makes predictions as to their likely success and possible flaws.
Author : United States. National Commission on Consumer Finance
Publisher : Unknown
Page : 348 pages
File Size : 41,7 Mb
Release : 1972
Category : Consumer credit
ISBN : UCAL:B5128644
Author : Lendol Calder
Publisher : Princeton University Press
Page : 400 pages
File Size : 44,8 Mb
Release : 2009-07-01
Category : History
ISBN : 9781400822836
Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.
Author : Alexander Hill-Smith
Publisher : CRC Press
Page : 552 pages
File Size : 41,9 Mb
Release : 2015-02-20
Category : Law
ISBN : 9781317697022
The field of consumer credit law has undergone major and fundamental change in the recent past, due in part to the regulation since 1 April 2014 of consumer credit by the Financial Conduct Authority, and this book provides a clear and complete guide to this difficult area of law. Fully updated for the second edition, the author considers new developments including: the new authorisation process under the Financial Services and Markets Act 2000, including the interim permission regime, and its consequences; the new regime for financial promotions as applied to credit and hire advertising; the new rules controlling high cost short term lending and peer to peer lending; the new provisions of the recently released Consumer Credit Sourcebook (CONC); the new requirements governing mortgage lending as contained in MCOB; the requirements for distance selling and off-premises contracts as applied to consumer credit and consumer hire including the impact of the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013; the jurisdiction of the financial ombudsman service on consumer credit. Also considered is the recent case law on the powerful unfair relationships jurisdiction. This comprehensive and practical guide is essential reading for legal practitioners, finance houses, credit reference agencies and retail organisations.
Author : J. Logemann
Publisher : Springer
Page : 392 pages
File Size : 51,9 Mb
Release : 2012-07-16
Category : History
ISBN : 9781137062079
This volume brings together historians, economists, political scientists, and anthropologists to present a global perspective on the new forms of lending and borrowing that have become a key feature of twentieth-century mass consumer societies, emphasizing comparative and transnational historical perspectives.
Author : Richard E. Gottlieb,Arthur B. Axelson,Thomas M. Hanson
Publisher : Unknown
Page : 1222 pages
File Size : 44,9 Mb
Release : 2014
Category : Class actions (Civil procedure)
ISBN : 140242261X
Author : Frank J. Fabozzi, CFA,Robert Paul Molay
Publisher : John Wiley & Sons
Page : 200 pages
File Size : 49,6 Mb
Release : 1999-11-15
Category : Business & Economics
ISBN : 1883249783
The subprime lending market is growing rapidly due to the use of securitization and the attempts of lending institutions to boost their client pool. This book gives readers a working, up-to-date knowledge of subprime consumer lending. It provides a guide to the concept of credit risk as it relates to lending practices, risk-based and risk-adjusted pricing, credit scoring, collection methodology, credit card services, auto loans, several aspects of securitization of subprime assets, and recent developments in the United Kingdom.
