Consumer Credit in Europe

Consumer Credit in Europe

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Consumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at a broad range of issues related to consumer credit in Europe. Focusing on both the supply and demand sides, it takes into account the structure and performance of financial intermediaries, the socio-demographic and economic profile of households and their risk of over-indebtedness, as well as the regulatory framework, such as the new Consumer Credit Directive. In the light of this analysis, measures for the prevention and management of over-indebtedness are presented. This book is essential for postgraduate students and specialists in financial institutions, for regulators and policy-makers who are in charge of efficiency and stability of financial systems.Table 5.5 (continued) If applicable The credit is granted in the form of a deferred payment for a good or service or is ... Costs of the credit The borrowing rate or, if applicable, different borrowing rates which apply to the credit agreement APR [ Kind of ... periods], [% A representative example mentioning all the assumptions used for calculating the rate to be set out here] ... a specific means of payment ( i.e. a credit card) If applicable Any other costs deriving from the credit agreement Tableanbsp;...

Title:Consumer Credit in Europe
Author: Daniela Vandone
Publisher:Springer Science & Business Media - 2009-07-21

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