LEADER 03815nam  22006495  450 
001 9910510581103321
005 20230810174033.0
010   $a9783030882310$b(electronic bk.)
010   $z9783030882303
024 7 $a10.1007/978-3-030-88231-0
035   $a(MiAaPQ)EBC6812131
035   $a(Au-PeEL)EBL6812131
035   $a(CKB)19919154700041
035   $a(OCoLC)1287135816
035   $a(DE-He213)978-3-030-88231-0
035   $a(EXLCZ)9919919154700041
100   $a20211124d2021      u|         0
101 0 $aeng
135   $aurcnu||||||||
181   $ctxt$2rdacontent
182   $cc$2rdamedia
183   $acr$2rdacarrier
200 10$aConsumer Credit in Europe $eMacro- and Microeconomic Perspectives /$fby Maria Lissowska
205   $a1st ed. 2021.
210  1$aCham :$cSpringer International Publishing :$cImprint: Palgrave Macmillan,$d2021.
215   $a1 online resource (136 pages)
311 08$aPrint version: Lissowska, Maria Consumer Credit in Europe Cham : Springer International Publishing AG,c2021 9783030882303 
320   $aIncludes bibliographical references and index.
327   $a1. 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.
330   $aThis 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. .
606   $aEconomic policy
606   $aEconomics
606   $aSocial choice
606   $aFinance
606   $aEconomics$xPsychological aspects
606   $aEconomic Policy
606   $aPublic Choice and Political Economy
606   $aFinancial Economics
606   $aBehavioral Economics
615  0$aEconomic policy.
615  0$aEconomics.
615  0$aSocial choice.
615  0$aFinance.
615  0$aEconomics$xPsychological aspects.
615 14$aEconomic Policy.
615 24$aPublic Choice and Political Economy.
615 24$aFinancial Economics.
615 24$aBehavioral Economics.
676   $a330.90511
676   $a332.743
700   $aLissowska$b Maria$01068798
801  0$bMiAaPQ
801  1$bMiAaPQ
801  2$bMiAaPQ
912   $a9910510581103321
996   $aConsumer Credit in Europe$92553774
997   $aUNINA