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Business & Management - Finance & Banking | Consumer Credit in Europe - Risks and Opportunities of a Dynamic Industry

Consumer Credit in Europe

Risks and Opportunities of a Dynamic Industry

Vandone, Daniela

2009, XIII, 134 p. 11 illus.

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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.

Content Level » Research

Keywords » Banking - Banking Industry - Consumer credit - Financial intermediaries performance - Households indebtedness - Overindebtedness - Retail banking

Related subjects » European Integration - Finance & Banking - Financial Economics

Table of contents 

The Determinants of Consumer Credit: A Review of the Literature.- Household Consumer Credit Demand.- The Profitability of the Consumer Credit Industry.- From Indebtedness to Over-Indebtedness.- Regulatory Framework.

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