Contributions to Economics

Consumer Credit in Europe

Risks and Opportunities of a Dynamic Industry

Authors: Vandone, Daniela

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eBook $159.00
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  • ISBN 978-3-7908-2101-7
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Hardcover $209.00
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  • ISBN 978-3-7908-2100-0
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Softcover $209.00
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  • ISBN 978-3-7908-2784-2
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About this book

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.

Table of contents (6 chapters)

  • Introduction

    Vandone, Daniela

    Pages 1-5

  • The Determinants of Consumer Credit: A Review of the Literature

    Vandone, Daniela

    Pages 7-22

  • Household Consumer Credit Demand

    Vandone, Daniela

    Pages 23-44

  • The Profitability of the Consumer Credit Industry

    Vandone, Daniela

    Pages 45-68

  • From Indebtedness to Over-Indebtedness

    Vandone, Daniela

    Pages 69-97

Buy this book

eBook $159.00
price for USA (gross)
  • ISBN 978-3-7908-2101-7
  • Digitally watermarked, DRM-free
  • Included format: PDF, EPUB
  • ebooks can be used on all reading devices
  • Immediate eBook download after purchase
Hardcover $209.00
price for USA
  • ISBN 978-3-7908-2100-0
  • Free shipping for individuals worldwide
  • Usually dispatched within 3 to 5 business days.
Softcover $209.00
price for USA
  • ISBN 978-3-7908-2784-2
  • Free shipping for individuals worldwide
  • Usually dispatched within 3 to 5 business days.
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Bibliographic Information

Bibliographic Information
Book Title
Consumer Credit in Europe
Book Subtitle
Risks and Opportunities of a Dynamic Industry
Authors
Series Title
Contributions to Economics
Copyright
2009
Publisher
Physica-Verlag Heidelberg
Copyright Holder
Physica-Verlag Heidelberg
eBook ISBN
978-3-7908-2101-7
DOI
10.1007/978-3-7908-2101-7
Hardcover ISBN
978-3-7908-2100-0
Softcover ISBN
978-3-7908-2784-2
Series ISSN
1431-1933
Edition Number
1
Number of Pages
XIII, 134
Number of Illustrations and Tables
11 b/w illustrations
Topics