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Consumer Credit Debt and Investment in Europe

Consumer Credit  Debt and Investment in Europe Author James Devenney
ISBN-10 9781107013025
Release 2012-07-12
Pages 336
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"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"--

European Consumer Protection

European Consumer Protection Author James Devenney
ISBN-10 9781107013018
Release 2012-04-05
Pages 462
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This topical volume provides detailed analyses of European consumer protection law in both its theoretical and practical dimensions. Part I casts a critical light over consumer protection strategies and mechanisms in the EU, Part II critically explores responses to vulnerability and Part III contextualises aspects of European consumer protection law.

The Images of the Consumer in EU Law

The Images of the Consumer in EU Law Author Dorota Leczykiewicz
ISBN-10 9781509900374
Release 2016-01-28
Pages 488
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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.

Payday Lending

Payday Lending Author Carl Packman
ISBN-10 9781137361103
Release 2014-09-16
Pages 146
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Payday Lending looks at the growth of the high cost credit industry from the early payday lending industry in the early 1990s to its development in the US as a highly profitable industry around the world.

Consumer Debt and Social Exclusion in Europe

Consumer Debt and Social Exclusion in Europe Author Hans-W. Micklitz
ISBN-10 9781317161264
Release 2016-03-09
Pages 258
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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.

Bankvertragsrecht 2

Bankvertragsrecht 2 Author
ISBN-10 9783110387209
Release 2015-01-01
Pages 948
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Der zuerst vorgelegte zweite Teilband zum Bankvertragsrecht (HGB) behandelt die beiden Hauptstücke des sog. Commercial Banking, das Zahlungsgeschäft und das Kreditgeschäft. Besonders ausgeprägt sind gerade hier das Denken auf der Grundlage eines Europäischen, teils auch internationalen, Normhintergrundes und die Einbeziehung des grenzüberschreitenden Geschäfts. Beide Teile sind eng aufeinander bezogen, parallel gegliedert und in der Problemsicht vergleichbar konzipiert. Letztverantwortlich für den Teil zum Zahlungsgeschäft ist Stefan Grundmann, für den Teil zum Kreditgeschäft Moritz Renner.

The Law and Consumer Credit Information in the European Community

The Law and Consumer Credit Information in the European Community Author Federico Ferretti
ISBN-10 9781134044481
Release 2008-08-18
Pages 264
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Consumer credit information systems are the tools used by the majority of lenders to manage credit risk, with lenders accessing credit reference databases managed by third party providers to evaluate a consumer’s credit application. So far, the subject of consumer credit reporting has been left to the predominant attention of the economic and business management scholarship and little or no consideration has been paid by lawyers. This book aims to rectify this by examining the legal framework and compliance in the European Community (EC) of such consumer information sharing arrangements which have become increasingly integrated in the credit granting practices of the Member States. The book looks at the laws which surround and affect consumer credit reporting, including bank secrecy obligations. Consumer credit reporting and its relationship to human rights is also explored, as every individual is in the EC is entitled to informational privacy. The book asks questions such as to what extent should the privacy of consumers be balanced against the aims and functions of consumer credit reporting, and how do the financial information sharing arrangements comply with the positive law, particularly the European data protection legislation?

The Economic Crisis in Social and Institutional Context

The Economic Crisis in Social and Institutional Context Author Sebastiano Fadda
ISBN-10 9781317617419
Release 2015-02-20
Pages 226
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This book explores the foundations of the current economic crisis. Offering a heterodox approach to interpretation it examines the policies implemented before and during the crisis, and the main institutions that shaped the model of advanced economies, particularly in the last two decades. The first part of the book provides a theoretical analysis of the crisis. The roots of the ‘great recession’ are divided into fundamentals with origins in financial liberalisation, financial innovation and income distribution, and complementary or contributory factors such as the international imbalances, the monetary policy,and the role of credit rating agencies. Part II suggests various paths to recovery while emphasising that it will be necessary to develop alternative strategies for sustainable economic recovery and growth. These strategies will require genuine political support and a new 'great European vision' to address major issues concerning the EU such as unemployment, structural regional differences and federalism. Drawing on various schools of thought, this book explains the complexities of the crisis through a wider evolutionary-institutional and heterodox framework.

Banking for People

Banking for People Author Udo Reifner
ISBN-10 3110126753
Release 1992
Pages 672
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This book contains empirical research on social and economic aspects of credit and debt, descriptions and assessments of legal framework realting to credit and overindebtedness in European countries and the US, social policy initiatives, reviews of new models of banking and new theoretical approaches to social issues in a market society.

Consumer Credit and the American Economy

Consumer Credit and the American Economy Author Thomas A. Durkin
ISBN-10 9780199384969
Release 2014-07-16
Pages 528
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Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.

Kingdom of Lesotho

Kingdom of Lesotho Author International Monetary Fund
ISBN-10 9781455218295
Release 2010-07-21
Pages 87
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Lesotho’s fiscal and external balances have deteriorated as a result of the global economic downturn and a surge in spending. Undertaking key fiscal adjustments to restore macroeconomic stability is necessary for raising Lesotho’s growth potential. Executive Directors commend the measures taken in the budget to reduce expenditure. Further strengthening of debt management and accelerating structural reforms is crucial for raising Lesotho’s growth potential. Strengthening the institutional and regulatory framework for banks and non-bank financial institutions (NBFIs) will help to support financial sector health and stability.

Improving Financial Literacy Analysis of Issues and Policies

Improving Financial Literacy Analysis of Issues and Policies Author OECD
ISBN-10 9789264012578
Release 2005-11-10
Pages 178
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This book describes the different types of financial education programmes currently available in OECD countries, evaluates their effectiveness, and makes suggestions to improve them.

Republic of Serbia

Republic of Serbia Author International Monetary Fund Staff
Release 2011-01-07
Pages 60
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In recent years, the IMF has released a growing number of reports and other documents covering economic and financial developments and trends in member countries. Each report, prepared by a staff team after discussions with government officials, is published at the option of the member country.

Capital Flows to EU New Member States

Capital Flows to EU New Member States Author Ms. Pritha Mitra
ISBN-10 9781455225071
Release 2011-03-01
Pages 27
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The recent boom-bust episode in Emerging Europe was largely the product of surges and sudden stops in capital inflows. This paper empirically argues that the sectors into which capital flows determines their impact on GDP growth. Applying data from EU New Member States, it is found that capital flows into real estate have a greater impact on swings in GDP than other sectors, irrespective of a country''s exchange rate or fiscal policy. Consequently, as new waves of capital inflows spread to emerging markets, policies may usefully focus on supporting capital inflows towards economic sectors that minimize large swings in GDP.

International Responses to Issues of Credit and Over indebtedness in the Wake of Crisis

International Responses to Issues of Credit and Over indebtedness in the Wake of Crisis Author Therese Wilson
ISBN-10 9781317113737
Release 2016-04-22
Pages 272
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This book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.

Thrift Deposit Institutions in Europe and the United States

Thrift Deposit Institutions in Europe and the United States Author Dimitri Vittas
Release 1995
Pages 52
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Thrift Deposit Institutions in Europe and the United States has been writing in one form or another for most of life. You can find so many inspiration from Thrift Deposit Institutions in Europe and the United States also informative, and entertaining. Click DOWNLOAD or Read Online button to get full Thrift Deposit Institutions in Europe and the United States book for free.

Institutional Investors Managing Investment Portfolios

Institutional Investors Managing Investment Portfolios Author Tieu Ngao
ISBN-10 9781456612535
Release 2013-01-10
Pages 110
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Today, advances in portfolio theory, efficient investment pressures as well as the emergence of many new investment vehicles is a challenge at the same time help to improve skills for investment portfolio management institutional investors. Due to face the challenges and pressures on, the managers should be aware that behind the portfolio is "flesh and blood" of their personal prosperity greatly affected by the action of managers. Information media often remind us of the moral hazard can occur, leaving serious consequences for both the customer and portfolio management mistake. The interests of the client must be placed on top. As has been emphasized in the beginning of this book, ethics is an important requirement in the portfolio management of the organization as well as individuals. This book presents the portfolio management process from the perspective of different groups of institutional investors, including: retirement, study promotion funds, charities, insurance companies and banks. In this type of investor organizations representing abundance when considering appropriate investment policy and to illustrate the challenges and the complexity of the task of the institutional fund management. The content of this book is presented as follows. In the second section, the context of the pension fund's investment will be presented, divided into two main parts: defined benefit and defined contribution. For each type of retirement, these elements create an investment policy statement (IPS) - oriented document management and for making all investment decisions will be discussed. The rest are also presented in the order as above including: part 3 - the charity; Part 4 - insurance companies and five banks.