LEADER 05042oam 2200649Ia 450 001 9910777637303321 005 20190503073339.0 010 $a0-262-26837-X 010 $a1-282-09740-7 010 $a9786612097409 010 $a1-4294-7721-0 035 $a(CKB)1000000000465367 035 $a(EBL)3338541 035 $a(OCoLC)939263621 035 $a(SSID)ssj0000143652 035 $a(PQKBManifestationID)11160414 035 $a(PQKBTitleCode)TC0000143652 035 $a(PQKBWorkID)10119649 035 $a(PQKB)10779272 035 $a(OCoLC)145464000$z(OCoLC)228169031$z(OCoLC)228169033$z(OCoLC)473741393$z(OCoLC)568000563$z(OCoLC)648224563$z(OCoLC)722564762$z(OCoLC)743198182$z(OCoLC)756541012$z(OCoLC)815776406$z(OCoLC)872014577$z(OCoLC)939263621$z(OCoLC)961533385$z(OCoLC)962660054$z(OCoLC)988437998$z(OCoLC)991937995$z(OCoLC)991974785$z(OCoLC)1037503370$z(OCoLC)1037903878$z(OCoLC)1038613190$z(OCoLC)1055318769$z(OCoLC)1062916021$z(OCoLC)1081259521$z(OCoLC)1083584910 035 $a(OCoLC-P)145464000 035 $a(MaCbMITP)2607 035 $a(Au-PeEL)EBL3338541 035 $a(CaPaEBR)ebr10173597 035 $a(CaONFJC)MIL209740 035 $a(PPN)170233243 035 $a(MiAaPQ)EBC3338541 035 $a(EXLCZ)991000000000465367 100 $a20070625d2006 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 04$aThe economics of consumer credit /$fGiuseppe Bertola, Richard Disney, and Charles Grant, editors 210 $aCambridge, Mass. $cMIT Press$dİ2006 215 $a1 online resource (389 p.) 300 $aDescription based upon print version of record. 311 $a0-262-52495-3 311 $a0-262-02601-5 320 $aIncludes bibliographical references and index. 327 $aThe economics of consumer credit demand and supply / Giuseppe Bertola, Richard Disney, Charles Grant -- Consumer credit markets in the United States and Europe / Nicola Jentzsch, Ampara San Jos?e Riestra -- Household debt demand and supply: a cross-country comparison / Jonathan N. Crook -- Regulation, formal and informal enforcement, and the development of the household loan market: lessons from Italy / Luca Casolaro, Leonardo Gambacorta, Luigi Guiso -- Housing wealth and the accumulation of financial debt: evidence from U.K. households / Sarah Bridges, Richard Disney, Andrew Henley -- Credit cards: facts and theories / Carol C. Bertaut, Michael Haliassos -- Bankruptcy and consumer behavior: theory and U.S. evidence / Michelle J. White -- The evolution of the credit counseling industry in the United States / Michael Staten -- Development and regulation of consumer credit reporting in the United States / Robert M. Hunt -- The role and effects of credit information sharing / Tullio Jappelli, Marco Pagano. 330 $aAcademic research and policy discussions of credit markets usually focus on borrowing by firms and producers rather than by households, which are typically analyzed in terms of their savings and portfolio choices. The Economics of Consumer Credit brings together leading international researchers to focus specifically on consumer debt, presenting current empirical and theoretical research crucial to ongoing policy debates on such topics as privacy rules, the regulation of contractual responsibilities, financial stability, and overindebtedness.The rapidly developing consumer credit industry in the United States is mirrored by that in Europe, and this volume is noteworthy for its cross-national perspective. Several chapters compare the use of credit markets by households in different countries, while others focus on single country case studies--including consumer credit dynamics in Italy, the role of housing expenditure in the cyclical pattern of borrowing in the United Kingdom, and the use of credit cards by U.S. consumers--to illustrate general insights. Other chapters draw policy lessons from the U.S. experience with bankruptcy regulation and the development of the credit counseling industry. Finally, the book reviews historical, theoretical, and empirical aspects of information sharing, of particular interest in light of the integration of European Union credit markets.ContributorsCarol C. Bertaut, Giuseppe Bertola, Sarah Bridges, Luca Casolaro, Jonathan Crook, Richard Disney, Leonardo Gambacorta, Charles Grant, Luigi Guiso, Michael Haliassos, Andrew Henley, Robert M. Hunt, Tullio Jappelli, Nicola Jentzsch, Marco Pagano, Amparo San Jose Riestra, Michael Staten, Michelle J. White 606 $aConsumer credit 610 $aECONOMICS/Microeconomics 610 $aECONOMICS/Finance 615 0$aConsumer credit. 676 $a332.7/43 701 $aBertola$b Giuseppe$0122619 701 $aDisney$b Richard$0495562 701 $aGrant$b Charles$g(Charles Benedict)$0207048 801 0$bOCoLC-P 801 1$bOCoLC-P 906 $aBOOK 912 $a9910777637303321 996 $aThe economics of consumer credit$93831492 997 $aUNINA