02964nam0 22003373i 450 VAN0010728620240806100733.470978-01-951699-2-8978-01-993849-5-220170112d2014 |0itac50 baengUS|||| |||||Consumer credit and the American economyThomas A. Durkin ... [et al.]New York [etc.]Oxford University press2014XXI, 710 p.24 cmConsumer 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. 001VAN001072872001 Financial Management Association Survey and Synthesis Series210 New YorkOxford University press.Consumer creditGovernment policyUnited StatesVANC032780ECConsumer creditUnited StatesVANC032781ECUSNew YorkVANL000011332.74321DurkinThomas A.VANV082826Oxford University <editore>VANV107944650ITSOL20260206RICAhttp://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=1201524E-book – Accesso al full-text attraverso riconoscimento IP di Ateneo, proxy e/o ShibbolethBIBLIOTECA DEL DIPARTIMENTO DI ECONOMIAIT-CE0106VAN03VAN00107286BIBLIOTECA DEL DIPARTIMENTO DI ECONOMIA03CONS e-book(1201524) 03BDE554 20170112 BuonoConsumer credit and the American economy1412632UNICAMPANIA