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 LEADER 03573nam 2200661 a 450 001 9910784761503321 005 20230120051257.0 010 $a1-315-58874-9 010 $a1-317-11611-9 010 $a1-317-11610-0 010 $a1-281-09972-4 010 $a9786611099725 010 $a0-7546-8530-6 035 $a(CKB)1000000000402724 035 $a(EBL)429877 035 $a(OCoLC)476279407 035 $a(SSID)ssj0000179841 035 $a(PQKBManifestationID)11170677 035 $a(PQKBTitleCode)TC0000179841 035 $a(PQKBWorkID)10149138 035 $a(PQKB)10198261 035 $a(Au-PeEL)EBL429877 035 $a(CaPaEBR)ebr10211380 035 $a(CaONFJC)MIL924845 035 $a(Au-PeEL)EBL5293542 035 $a(CaONFJC)MIL109972 035 $a(MiAaPQ)EBC429877 035 $a(MiAaPQ)EBC5293542 035 $a(EXLCZ)991000000000402724 100 $a20070301d2007 uy 0 101 0 $aeng 135 $aur|n|---||||| 181 $ctxt 182 $cc 183 $acr 200 10$aInside the digital revolution$b[electronic resource] $epolicing and changing communication with the public /$fby Bridgette Wessels 210 $aAldershot, Hampshire, England ;$aBurlington, VT, USA $cAshgate Pub.$dc2007 215 $a1 online resource (211 p.) 300 $aDescription based upon print version of record. 311 $a0-7546-7087-2 320 $aIncludes bibliographical references (p. [175]-188) and index. 327 $aIntroduction: The context of changing communication with the public using digital technologies -- The problem of defining "project digital": making sense of digital technologies in police service environments -- The cultural dynamics of technological change -- Putting the researcher in the field: the performances and positions of the ethnographer in innovative networks of communication -- The cultural history of Programme digital and project ATTACH in the MPS -- Phase one of the relations of production: "kicking-off and the early days" -- Phase two of the relations of production: "moving on and developing e-services" -- The construction of a digital services narrative at European, national and regional levels -- Narratives of service provision in the metropolitan police service: embedding telematics within service narratives -- Participation between service providers and residents: local people's perceptions of services in the East End of London -- Police work and everyday life -- Conclusion -- Appendix: The research methods and objectives of Newham focus groups. 330 $aIn this work, Bridgette Wessels offers a unique insight into the ways in which core public institutions and powerful organizations develop digital communications and services within the public realm. The book draws on her ethnographic research with the London Metropolitan Police Service which, working in a socially, culturally and demographically complex city, offers a highly revealing case study of technology and human processes. 606 $aPolice communication systems$zGreat Britain 606 $aDigital communications$zGreat Britain 606 $aPolice-community relations$zGreat Britain 615 0$aPolice communication systems 615 0$aDigital communications 615 0$aPolice-community relations 676 $a363.2/4 700 $aWessels$b Bridgette$0898014 801 0$bMiAaPQ 801 1$bMiAaPQ 801 2$bMiAaPQ 906 $aBOOK 912 $a9910784761503321 996 $aInside the digital revolution$93781790 997 $aUNINA