By Daniela Vandone
Consumer credits has develop into a topical factor for researchers, regulators and the banking in Europe because of expanding industry integration, regulatory adjustments and a turning out to be tendency of families to take advantage of debt to finance intake. This research makes use of a cross-country method of examine a large variety of concerns with regards to buyer credits in Europe. concentrating on either the provision and insist aspects, it takes under consideration the constitution and function of monetary intermediaries, the socio-demographic and fiscal profile of families and their possibility of over-indebtedness, in addition to the regulatory framework, resembling the hot buyer credits Directive. within the gentle of this research, measures for the prevention and administration of over-indebtedness are offered. This publication is vital for postgraduate scholars and experts in monetary associations, for regulators and policy-makers who're accountable for potency and balance of monetary systems.
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Additional resources for Consumer Credit in Europe: Risks and Opportunities of a Dynamic Industry
Do not include any expenditure buying your home or any financial investment you have made’’. 17 Question f4 (BHPS 2005) ‘‘How well would you say you yourself are managing financially these days? ’’. 18 The percentage was calculated making reference to each variable chosen. For instance, as regards the age variable, households were classified on the basis of the age group of the head of the household and then, for each sub-group, the percentage of households holding unsecured debt was calculated.
This segment is made up by individuals and households which, due to low income and/or low credit rating and the related costs and risks, find it difficult to access mainstream channels. In the United Kingdom, for instance, pawnbrokers3 and doorstep lenders are relatively common. The former provide short-term credit, usually for only few weeks, against pledged goods that are returned to the borrower on repayment of the loan. Doorstep lenders, as the name suggests, lend and collect repayments door to door.
8%, is the only new entrant to record a figure higher than the EU-15 average. This can be put down, on the demand side, to strong economic growth and rising salaries and, on the supply side, high interest margins on retail lending that make this segment particularly attractive (Bulgarian National Bank 2007). Another significant characteristic of the Bulgarian situation is that a part of unsecured borrowing by households is used to funding small enterprises rather than financing domestic spending.
Consumer Credit in Europe: Risks and Opportunities of a Dynamic Industry by Daniela Vandone