| |
|
|
|
|
|
|
|
|
1. |
Record Nr. |
UNINA9910510581103321 |
|
|
Autore |
Lissowska Maria |
|
|
Titolo |
Consumer Credit in Europe : Macro- and Microeconomic Perspectives / / by Maria Lissowska |
|
|
|
|
|
|
|
Pubbl/distr/stampa |
|
|
Cham : , : Springer International Publishing : , : Imprint : Palgrave Macmillan, , 2021 |
|
|
|
|
|
|
|
|
|
ISBN |
|
9783030882310 |
9783030882303 |
|
|
|
|
|
|
|
|
Edizione |
[1st ed. 2021.] |
|
|
|
|
|
Descrizione fisica |
|
1 online resource (136 pages) |
|
|
|
|
|
|
Disciplina |
|
|
|
|
|
|
|
|
Soggetti |
|
Economic policy |
Economics |
Social choice |
Finance |
Economics - Psychological aspects |
Economic Policy |
Public Choice and Political Economy |
Financial Economics |
Behavioral Economics |
|
|
|
|
|
|
|
|
Lingua di pubblicazione |
|
|
|
|
|
|
Formato |
Materiale a stampa |
|
|
|
|
|
Livello bibliografico |
Monografia |
|
|
|
|
|
Nota di bibliografia |
|
Includes bibliographical references and index. |
|
|
|
|
|
|
Nota di contenuto |
|
1. Trends and role of consumer credits in the European economy -- 2. Changing credit landscape -- 3. The role of consumer credits in the life of an European household -- 4. Regulatory and organisational context of consumer credits in Europe -- 5. Conclusion. |
|
|
|
|
|
|
|
|
Sommario/riassunto |
|
This book provides a comprehensive outlook on the state and role of consumer credits in the European economy and households. It underlines the role of consumerism and digitalisation, in the framework of legislation. It covers two major turns in consumer credit evolution: the 2008 crisis and Covid pandemic. The first had socio-economic sources, the second one was an external event, but provoked important changes in consumer behaviour. Lockdowns deepened the preference |
|
|
|
|
|
|
|
|
|
|
|
|
|
for digital financial products. FinTech and BigData operators acquired broader opportunities with the development of distance services. These new financial services need adapted legislation. The recently published project of Consumer Credits Directive covers new means of communication, such as smartphones, and extends rules to new ways of crediting, like crowdfunding. Consumer credit availability changed the behaviour of households. The propensity of poorer households to save faded due to the ease of getting credit. However, financial insecurity during the Coronavirus pandemic made households limit credits and build precautionary savings. Maria Lissowska is a professor of economics at the Warsaw School of Economics. Her research focuses on institutional and financial economics. In 2007 - 2018 she was an official of the European Commission, specifically responsible for analysis and legislation of consumer credits. She then returned to research and now publishes on financial issues including consumer credits and crowdfunding. . |
|
|
|
|
|
|
2. |
Record Nr. |
UNINA9911007138703321 |
|
|
Autore |
Merklein M |
|
|
Titolo |
Sheet Metal 2021 |
|
|
|
|
|
Pubbl/distr/stampa |
|
|
Zurich : , : Trans Tech Publications, Limited, , 2021 |
|
©2021 |
|
|
|
|
|
|
|
|
|
ISBN |
|
1-5231-4518-8 |
3-0357-3693-6 |
|
|
|
|
|
|
|
|
Edizione |
[1st ed.] |
|
|
|
|
|
Descrizione fisica |
|
1 online resource (324 pages) |
|
|
|
|
|
|
Collana |
|
Key Engineering Materials ; ; v.Volume 883 |
|
|
|
|
|
|
Altri autori (Persone) |
|
DuflouJ |
FratiniL |
HagenahH |
MartinsP |
MeschutG |
MicariF |
|
|
|
|
|
|
|
|
Disciplina |
|
|
|
|
|
|
Soggetti |
|
|
|
|
|
|
Lingua di pubblicazione |
|
|
|
|
|
|
Formato |
Materiale a stampa |
|
|
|
|
|
Livello bibliografico |
Monografia |
|
|
|
|
|
|
|
|
|
Nota di contenuto |
|
Intro -- Sheet Metal 2021 -- Preface -- Table of Contents -- Chapter 1: Joining by Forming -- New Approach for Versatile Self Piercing Riveting: Joining System and Auxiliary Part -- Influence of the Rivet Coating on the Friction during Self-Piercing Riveting -- Investigation of Different Joining by Forming Strategies when Connecting Different Metals without Auxiliary Elements -- Friction Characterisation for a Tumbling Self-Piercing Riveting Process -- Modeling of Stiffness Anisotropy in Simulation of Self-Piercing Riveted Components -- Determination of the Interface Structural Resolution of an Industrial X-Ray Computed Tomograph Using a Spherical Specimen and a Gap Specimen Consisting of Gauge Blocks -- Temperature Dependent Modelling of Fibre-Reinforced Thermoplastic Organo-Sheet Material for Forming and Joining Process Simulations -- A Finite Plasticity Gradient-Damage Model for Sheet Metals during Forming and Clinching -- Effect of Different Tool Geometries on the Mechanical Properties of Al-Al Clinch Joints -- Load Path Transmission in Joining Elements -- Development of a Method for the Identification of Friction Coefficients in Sheet Metal Materials for the Numerical Simulation of Clinching Processes -- A Method for Characterization of Geometric Deviations in Clinch Points with Computed Tomography and Transient Dynamic Analysis -- A First Approach for the Treatment of Galvanic Corrosion and of Load-Bearing Capacity of Clinched Joints -- Approach for the Automated Analysis of Geometrical Clinch Joint Characteristics -- Surface Treatment to Promote Joining of Glass Fiber Reinforced Plastic and AZ31 Magnesium Alloy for Fiber Metal Laminates via Hot Metal Pressing -- New Joining Concepts for Self-Pierce Riveting -- Numerical and Experimental Fracture Mechanical Investigations of Clinchable Sheet Metals Made of HCT590X -- Chapter 2: Forming. |
Stretch Forming of Ti-6Al-4V Hybrid Parts at Elevated Temperatures -- Introducing Residual Stresses on Sheet Metals by Slide Hardening under Stress Superposition -- Assessment of Springback Behaviour of 800-1200 MPa Dual-Phase Steel Grades -- Functional Gradation in Precipitation Hardenable AA7075 Alloy by Differential Cooling Strategies -- Towards Automatic Part Identification in Sheet Metal Workshops -- Effect of Stretching on Springback in Rotary Stretch Bending of Aluminium Alloy Profiles -- Investigation of the Influence of a Superimposed Oscillated Forming Process on Forming Characteristics -- Chapter 3: Incremental Forming -- Development of Magnetic Field-Assisted Single-Point Incremental Forming -- Multistep Incremental Forming beyond 100° -- On the Effectiveness of SPIF Process to Re-Form End-of-Life Components as Compared to Conventional Forming Approach -- Incremental Roller-Flanging of Thick Metal Sheets -- Geometry Compensation Methods for Increasing the Accuracy of the SPIF Process -- Chapter 4: Welding and Bonding -- Influence of Roughness and Curing Temperature on the Strength of Aluminum Adhesively Bonded Joints -- Laser Welding of Laser Powder Bed Fusion Manufactured Inconel 718: Microstructure and Mechanical Properties -- Laser Welding of Laser Powder Bed Fusion (LPBF) Manufactured 316L Stainless Steel Lap Joint -- Microstructural Evolution and Tensile Strength of Laser-Welded Butt Joints of Ultra-High Strength Steels: Low and High Alloy Steels -- Microstructure and Formability of Laser Welded Dissimilar Butt Joints of Austenitic-Ferritic Stainless Steels -- Chapter 5: Characterisation -- Investigation of the Micro Hardness at the Cut Surface of Fine Blanked Parts with Variation of Sheet Material and Cutting Temperature -- Material Model for the Production of Steel Fibers by Notch Rolling and Fulling. |
The Frictional Force between Slug and Die in Shear Cutting after Material Separation -- Fracture Characterisation by Butterfly-Tests and |
|
|
|
|
|
|
|
|
|
|
|
Damage Modelling of Advanced High Strength Steels -- Determination of the Biaxial Anisotropy Coefficient Using a Single Layer Sheet Metal Compression Test -- Local Strain Measurement in Tensile Test for an Optimized Characterization of Packaging Steel for Finite Element Analysis -- Keyword Index -- Author Index. |
|
|
|
|
|
|
Sommario/riassunto |
|
Selected peer-reviewed full text papers from the 19th International Conference on Sheet Metal (SheMet 2021) Selected, peer-reviewed papers from the 19th International Conference on Sheet Metal (SheMet 2021), March 29-31, 2021, Erlangen, Germany. |
|
|
|
|
|
|
|
| |