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Author: Robert Hartzell Cole
Publisher: McGraw-Hill/Irwin
ISBN: 9780256187045
Category : Business & Economics
Languages : en
Pages : 502
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Book Description
This text addresses the challenges that result from change and growth within the financial services and credit industry. It features a comprehensive case study and discusses issues related to technology, the Internet and on-line credit.
Author: Robert Hartzell Cole
Publisher: McGraw-Hill/Irwin
ISBN: 9780256187045
Category : Business & Economics
Languages : en
Pages : 502
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Book Description
This text addresses the challenges that result from change and growth within the financial services and credit industry. It features a comprehensive case study and discusses issues related to technology, the Internet and on-line credit.
Author: Robert Hartzell Cole
Publisher: McGraw-Hill/Irwin
ISBN:
Category : Business & Economics
Languages : en
Pages : 720
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Book Description
Author: Robert Cole
Publisher:
ISBN: 9780071141239
Category :
Languages : en
Pages :
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Book Description
The authors address the challenges that have resulted from the changes and growth within the financial services and credit industries. Tenth revised edition, originally published under the title, CONSUMER AND COMMERCIAL CREDIT MANAGEMENT.
Author: David Lawrence
Publisher:
ISBN: 0971753717
Category : Business & Economics
Languages : en
Pages :
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Book Description
Author: Thomas A. Durkin
Publisher:
ISBN: 0195169921
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: Glen Bullivant
Publisher: Routledge
ISBN: 1317158113
Category : Business & Economics
Languages : en
Pages : 749
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Book Description
First Published in 2016. Credit Management provides a comprehensive, down-to-earth guide to every aspect of managing credit. The key message throughout is that cash flow and profits can be much improved by proper planning, motivation and control, without in the least jeopardising sales or alienating customers. All of the key credit control issues are covered including guidance on credit policy and management of the credit function; credit terms; risk assessment, management and modelling; debt collection; credit insurance; export credit; consumer credit; the commercial credit law; and credit services. For over thirty-five years, subsequent editions of this book have provided the best single-volume guide for anyone responsible for managing credit, risk and customers. Previously published as Credit Management Handbook, the new edition, with a new editor has been revised to reflect changes in practice and technology and is the set text for the Institute of Credit Management (ICM) examinations.
Author: William Henry Blake
Publisher:
ISBN:
Category : Collecting of accounts
Languages : en
Pages : 8
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Book Description
Author: S. Finlay
Publisher: Springer
ISBN: 0230275222
Category : Business & Economics
Languages : en
Pages : 278
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Book Description
This book explains how financial institutions, such as banks and finance houses, manage their portfolios of credit cards, loans, mortgages and other types of retail credit agreements. The second edition has been substantially updated, with new chapters on capital requirements, Basel II, scorecard and portfolio monitoring.
Author: Robert Hartzell Cole
Publisher: McGraw-Hill/Irwin
ISBN:
Category : Consumer credit
Languages : en
Pages : 488
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Book Description
Author: Cedric Fricke
Publisher:
ISBN:
Category : Consumer credit
Languages : en
Pages : 8
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Book Description
