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作者 Ferretti, Federico, 1970- author
書名 Personal debt in Europe : the EU financial market and consumer insolvency / Federico Ferretti, Daniela Vandone
出版項 Cambridge, United Kingdom ; New York, NY, USA : Cambridge University Press, 2019
國際標準書號 9781108426732 (hbk.)
1108426735 (hbk.)
book jacket
館藏地 索書號 處理狀態 OPAC 訊息 條碼
 人文社會聯圖  HG3756.E85 F47 2019    新書展示中    30660020229212
說明 vii, 248 pages : illustrations ; 24 cm
text txt rdacontent
unmediated n rdamedia
volume nc rdacarrier
附註 Includes bibliographical references (pages 225-244) and index
Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU
Introduction -- Personal debt in the economy -- The industry of personal debt -- From indebtedness to over-indebtedness: multidimensional causes and consequences -- EU policy and law for the prevention and management of over-indebtedness -- The role and function of solvency data and financial technologies -- Credit risk analysis and creditworthiness in relation to EU data protection legislation -- The treatment of over-indebtedness: towards a harmonisation of personal insolvency law in a fragmented EU? -- Conclusions and scope for further research
主題 Consumer credit -- Europe
Loans, Personal -- Europe
Debt -- Europe
Consumer credit -- Law and legislation -- Europe
Consumer credit. fast (OCoLC)fst00876277
Consumer credit -- Law and legislation. fast (OCoLC)fst00876284
Debt. fast (OCoLC)fst00888768
Loans, Personal. fast (OCoLC)fst01001105
Europe. fast (OCoLC)fst01245064
Kreditmarkt gnd
Darlehen gnd
Kredit gnd
Verbrauch gnd
Schulden gnd
Europa gnd
Alt Author Vandone, Daniela, author
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