Trends in Consumer Finance
Author | : Morris R. Neifeld |
Publisher | : |
Total Pages | : 168 |
Release | : 1954 |
Genre | : Loans, Personal |
ISBN | : |
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Author | : Morris R. Neifeld |
Publisher | : |
Total Pages | : 168 |
Release | : 1954 |
Genre | : Loans, Personal |
ISBN | : |
Author | : Lyle S. Woodcock |
Publisher | : |
Total Pages | : 28 |
Release | : 1961 |
Genre | : Consumer credit |
ISBN | : |
Author | : United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance |
Publisher | : |
Total Pages | : 160 |
Release | : 1994 |
Genre | : Consumer credit |
ISBN | : |
Author | : Thomas A. Durkin |
Publisher | : |
Total Pages | : 737 |
Release | : 2014 |
Genre | : Business & Economics |
ISBN | : 0195169921 |
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 | : Morris R. Neifeld |
Publisher | : |
Total Pages | : 142 |
Release | : 1954 |
Genre | : Loans, Personal |
ISBN | : |
Author | : National Consumer Finance Association |
Publisher | : |
Total Pages | : 212 |
Release | : 1962 |
Genre | : Commercial finance companies |
ISBN | : |
Author | : Nicolas Paul Retsinas |
Publisher | : Brookings Institution Press |
Total Pages | : 274 |
Release | : 2011 |
Genre | : Business & Economics |
ISBN | : 0815705034 |
Financial experts explore what caused the financial crisis and discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders. Original.
Author | : Jing Jian Xiao |
Publisher | : Springer |
Total Pages | : 379 |
Release | : 2016-05-30 |
Genre | : Psychology |
ISBN | : 3319288873 |
This second edition of the authoritative resource summarizes the state of consumer finance research across disciplines for expert findings on—and strategies for enhancing—consumers’ economic health. New and revised chapters offer current research insights into familiar concepts (retirement saving, bankruptcy, marriage and finance) as well as the latest findings in emerging areas, including healthcare costs, online shopping, financial therapy, and the neuroscience behind buyer behavior. The expanded coverage also reviews economic challenges of diverse populations such as ethnic groups, youth, older adults, and entrepreneurs, reflecting the ubiquity of monetary issues and concerns. Underlying all chapters is the increasing importance of financial literacy training and other large-scale interventions in an era of economic transition. Among the topics covered: Consumer financial capability and well-being. Advancing financial literacy education using a framework for evaluation. Financial coaching: defining an emerging field. Consumer finance of low-income families. Financial parenting: promoting financial self-reliance of young consumers. Financial sustainability and personal finance education. Accessibly written for researchers and practitioners, this Second Edition of the Handbook of Consumer Finance Research will interest professionals involved in improving consumers’ fiscal competence. It also makes a worthwhile text for graduate and advanced undergraduate courses in economics, family and consumer studies, and related fields.
Author | : Jing J. Xiao |
Publisher | : Springer Science & Business Media |
Total Pages | : 423 |
Release | : 2008-01-03 |
Genre | : Psychology |
ISBN | : 0387757341 |
This handbook surveys the social aspects of consumer behavior, offering latest data and original research on current consumer needs as well as identifying emerging areas of research. This accessible volume (which can be read without advanced training in the field) starts with current concepts of risk tolerance, consumer socialization, and financial well-being, and moves on to salient data on specific settings and populations such as high school students and the older consumer.
Author | : |
Publisher | : |
Total Pages | : |
Release | : 2002 |
Genre | : Consumer credit |
ISBN | : |