Consumer Credit Costs, 1949-59 PDF Download
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Author: Paul F. Smith
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 192
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Author: Paul F. Smith
Publisher:
ISBN:
Category : Business & Economics
Languages : en
Pages : 192
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Book Description
Author: Thomas A. Durkin
Publisher: Oxford University Press
ISBN: 0199384959
Category : Business & Economics
Languages : en
Pages : 737
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Book Description
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.
Author: Thomas A. Durkin
Publisher: Springer Science & Business Media
ISBN: 1461514150
Category : Business & Economics
Languages : en
Pages : 340
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Book Description
As both the twenty-first century and the new millennium opened and the old eras passed into history, individuals and organizations throughout the world advanced their listings of the most significant people and events in their respective specialties. Possibly more important, the tum of the clock and calendar also offered these same observers a good reason to glance into the crystal ball. Presumably, the past is of greatest interest to most people when it permits better understanding of the present, and maybe even limited insight into the outlook. In keeping with the reflective mood of the time, the staff and friends of the Credit Research Center (CRC) at Georgetown University's McDonough School of Business noted that the beginning of the new millennium also marked the beginning of the second quarter-century of the Center's existence. The Center began at the Krannert Graduate School of Management at Purdue University in 1974 and moved to the McDonough School of Business at Georgetown University in 1997. The silver anniversary of its founding offered the occasion for creating more than another listing of significant past accomplishments and milestones. Rather, it offered the opportunity and, indeed, a mandate for CRC as an academic research center, to undertake a retrospective and future look into the status of research questions pertaining to consumer credit markets. For this reason, the Center organized a research conference which was held in Washington, D. C.
Author: United States. National Commission on Consumer Finance
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 322
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Book Description
![Technical Studies. [Prepared For] the National Commission on Consumer Finance PDF](https://books.google.com/books/content/images/frontcover/Yps7_x10nF8C?fife=w80-h100)
Author:
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 388
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Author: United States. National Commission on Consumer Finance
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 996
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Book Description
Author: Arnold A. Heggestad
Publisher: Routledge
ISBN: 1000308731
Category : Political Science
Languages : en
Pages : 293
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Book Description
In the many studies that have been conducted on the provision of financial services for consumers, regulation has emerged as one of the most important factors. The impact of regulation on financial service industries is a major focus of this comprehensive bibliography of relevant source materials in the field of regulatory economics. The bibliography includes entries from the major economics and finance journals published over the past twenty years, major law and business journals,government documents, books, and doctoral dissertations--all indexed according to subject matter--as well as abstracts of many of the papers.The product of extensive research, Heggestad's work is invaluable to university libraries, regulatory agencies, financial institutions, and financial experts, and is an efficient and essential reference tool for anyone wishing to study specific markets and the impact of financial regulation on them.
Author:
Publisher:
ISBN:
Category : United States
Languages : en
Pages : 1090
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Author: United States. Congress. Senate. Committee on Banking and Currency
Publisher:
ISBN:
Category : Automobile industry and trade
Languages : en
Pages : 924
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Book Description
Considers S. 2755, the Finance Charge Disclosure Act, to require loan interest rate disclosure by lenders. Focuses on new automobile financing practices.
Author: Frank Freidel
Publisher: Harvard University Press
ISBN: 9780674375604
Category : History
Languages : en
Pages : 644
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Book Description
Editions for 1954 and 1967 by O. Handlin and others.
