LEADER 03111nam0 22003493i 450 
001 SUN0107286
005 20170208011850.277
010   $a978-01-993849-5-2$d0.00
010   $a978-01-951699-2-8
100   $a20170112d2014       |0engc50      ba
101   $aeng
102   $aUS
105   $a||||    |||||
200 1 $a*Consumer credit and the American economy$fThomas A. Durkin ... [et al.]
205   $aNew York [etc.] : Oxford University press, 2014
210   $aXXI$d710 p. ; 24 cm
215   $aPubblicazione in formato elettronico
330   $aConsumer 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. 
410  1$1001SUN0107287$12001 $a*Financial Management Association Survey and Synthesis Series$1210  $aNew York$cOxford University press.
606   $aConsumer credit$xGovernment policy$xUnited States$2EC$3SUNC032780
606   $aConsumer credit$xUnited States$2EC$3SUNC032781
620   $aUS$dNew York$3SUNL000011
676   $a332.743$v21
702  1$aDurkin$b, Thomas A.$3SUNV082826
712   $aOxford university$3SUNV000064$4650
801   $aIT$bSOL$c20181109$gRICA
856 4 $uhttp://search.ebscohost.com/login.aspx?direct=true&scope=site&db=nlebk&db=nlabk&AN=1201524
912   $aSUN0107286
950   $aUFFICIO DI BIBLIOTECA DEL DIPARTIMENTO DI ECONOMIA$d03 CONS      e-book(1201524)                     $e03 BDE554                                   Accesso al full text attraverso riconoscimento indirizzo IP di Ateneo.
995   $aUFFICIO DI BIBLIOTECA DEL DIPARTIMENTO DI ECONOMIA$bIT-CE0106$gBDE$h554$kCONS e-book(1201524)$op$qa$uAccesso al full text attraverso riconoscimento indirizzo IP di Ateneo.
996   $aConsumer credit and the American economy$91412632
997   $aUNICAMPANIA