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Author: Marieke Bos
Publisher:
ISBN:
Category :
Languages : en
Pages :
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Author: Marieke Bos
Publisher:
ISBN:
Category :
Languages : en
Pages :
Get Book Here
Book Description
Author: Marieke Bos
Publisher:
ISBN: 9781457857089
Category :
Languages : en
Pages : 52
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Book Description
Practically all industrialized economies restrict the length of time that credit bureaus can retain borrowers' negative credit information. There is, however, a large variation in the permitted retention times across countries. The authors investigate what happens when negative information is deleted earlier from credit files. They find that the loss of information led banks to tighten their lending standards significantly as the expected retention time was diminished from on average three-and-a-half to three years exactly. They also find that borrowers who experience this shorter retention time default more frequently. Since borrowers nevertheless obtain more net access to credit and total defaults do not increase overall, the authors cannot rule out that this reduction in retention time is optimal. Figures and tables. This is a print on demand report.
Author: Marieke Bos
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 32
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Book Description
Swedish law mandates the removal of information about past credit arrears from the individuals' credit reports after three years. By exploiting a quasi-experimental variation in retention times caused by a change in the credit bureau's timing of arrear removal, we are able to examine the causal effect of increased retention time on consumers' short-to medium-run credit scores, loan applications, credit access, and future defaults. We find that a prolonged retention time increases the need for and access to credit relative to shorter retention times. Additionally, prolonged retention times seem to reduce the likelihood to default again two years after removal. We also find that in both regimes only a minority of the individuals (less than 27 percent) receive a new arrear within two years after removal, suggesting that only a minority of the individuals who received an arrear may be inherently high risk. Alternatively, our results may be interpreted as suggesting that removal of credit arrears may induce borrowers to exert greater effort along the lines of Vercammen (1995) and Elul and Gottardi (2007). Either interpretation opens the possibility that credit arrear removal is welfare enhancing.
Author: Joshua C. Teitelbaum
Publisher: Edward Elgar Publishing
ISBN: 1849805687
Category : Business & Economics
Languages : en
Pages : 545
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Book Description
The field of behavioral economics has contributed greatly to our understanding of human decision making by refining neoclassical assumptions and developing models that account for psychological, cognitive, and emotional forces. The field’s insights have important implications for law. This Research Handbook offers a variety of perspectives from renowned experts on a wide-ranging set of topics including punishment, finance, tort law, happiness, and the application of experimental literatures to law. It also includes analyses of conceptual foundations, cautions, limitations and proposals for ways forward.
Author: Paul Lambert
Publisher: Bloomsbury Publishing
ISBN: 1526521954
Category : Law
Languages : en
Pages : 563
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Book Description
Longlisted for the 2022 Inner Temple Main Book Prize The Right to be Forgotten is one of the most publicised areas of the GDPR and has received massive worldwide publicity following judicial and legal developments in Europe. Individual data regulators have increased powers and importance in dealing with RtbF rights for individuals, and it is more important than ever for them to be up to date. The new, second edition, is fully updated to include: - the increasing importance of the role of RtbF in relation to media content (newspapers and television media in particular). - the evolving jurisprudence in terms of RtbF generally, especially in light of increased understanding of the GDPR RtbF and the landmark Google Spain RtbF case. - the recent Google France case. - the potential for group actions, class actions, and litigation funding, in relation to RtbF issues This title is included in Bloomsbury Professional's Intellectual Property and IT online service.
Author: John R. Vacca
Publisher: Newnes
ISBN: 0123946123
Category : Computers
Languages : en
Pages : 1200
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Book Description
The second edition of this comprehensive handbook of computer and information security provides the most complete view of computer security and privacy available. It offers in-depth coverage of security theory, technology, and practice as they relate to established technologies as well as recent advances. It explores practical solutions to many security issues. Individual chapters are authored by leading experts in the field and address the immediate and long-term challenges in the authors’ respective areas of expertise. The book is organized into 10 parts comprised of 70 contributed chapters by leading experts in the areas of networking and systems security, information management, cyber warfare and security, encryption technology, privacy, data storage, physical security, and a host of advanced security topics. New to this edition are chapters on intrusion detection, securing the cloud, securing web apps, ethical hacking, cyber forensics, physical security, disaster recovery, cyber attack deterrence, and more. Chapters by leaders in the field on theory and practice of computer and information security technology, allowing the reader to develop a new level of technical expertise Comprehensive and up-to-date coverage of security issues allows the reader to remain current and fully informed from multiple viewpoints Presents methods of analysis and problem-solving techniques, enhancing the reader's grasp of the material and ability to implement practical solutions
Author: James Grant
Publisher: Simon and Schuster
ISBN: 1451686463
Category : Business & Economics
Languages : en
Pages : 272
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Book Description
"By the publisher of the prestigious Grant's Interest Rate Observer, an account of the deep economic slump of 1920-21 that proposes, with respect to federal intervention, "less is more." This is a free-market rejoinder to the Keynesian stimulus applied by Bush and Obama to the 2007-09 recession, in whose aftereffects, Grant asserts, the nation still toils. James Grant tells the story of America's last governmentally-untreated depression; relatively brief and self-correcting, it gave way to the Roaring Twenties. His book appears in the fifth year of a lackluster recovery from the overmedicated downturn of 2007-2009. In 1920-21, Woodrow Wilson and Warren G. Harding met a deep economic slump by seeming to ignore it, implementing policies that most twenty-first century economists would call backward. Confronted with plunging prices, wages, and employment, the government balanced the budget and, through the Federal Reserve, raised interest rates. No "stimulus" was administered, and a powerful, job-filled recovery was under way by late in 1921. In 1929, the economy once again slumped--and kept right on slumping as the Hoover administration adopted the very policies that Wilson and Harding had declined to put in place. Grant argues that well-intended federal intervention, notably the White House-led campaign to prop up industrial wages, helped to turn a bad recession into America's worst depression. He offers the experience of the earlier depression for lessons for today and the future. This is a powerful response to the prevailing notion of how to fight recession. The enterprise system is more resilient than even its friends give it credit for being, Grant demonstrates"--
Author: Bob Eager
Publisher: Bloomsbury Publishing
ISBN: 1349132837
Category : Computers
Languages : en
Pages : 209
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Book Description
A revised and updated edition of this student introductory textbook, it has new diagrams and illustrations, with updated hardware examples. A new concluding chapter on graphical user interfaces is added. There is also more emphasis on client-server systems.
Author: Michael Solomon
Publisher: AuthorHouse
ISBN: 1456760270
Category : Biography & Autobiography
Languages : en
Pages : 286
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Book Description
BUT NOT FOR THE FUEHRER is Helmut Jung's story of personal survival in Hitler's Germany, through World War II, and in occupied Germany after the end of the war. In all of those times survival was the single key that kept him going, survival of the fighting, the famine, and the political oppression. This is not simply a war story. Yes, the war plays a big part within this story but Helmut was often at war with his own people just as much as he was with the Russians. It was often difficult to know who to fear the most, the enemy on the other side of the front lines or the enemy behind you who were making you fight. And fight he did, wounded twice, receiving special training as a sniper and as a demolitions expert, and receiving awards for his bravery. He was also captured by the Russians but was one of the very few who escaped. In addition, the SS held him as a spy after he escaped from the Russians. As a war story, BUT NOT FOR THE FEUHRER is truly outstanding but it is far more than just a war story. Mike Nesbitt
Author:
Publisher:
ISBN:
Category : Law reports, digests, etc
Languages : en
Pages : 1958
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