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Introduction,ps and the way in which commercial lending institutions manage the credit-debt relationships they have with their customers. These relationships are then placed within a historical, ethical and legal context.语言学 发表于 2025-3-22 05:08:54
Products and Providers,uce each type of credit and describe the nature and objectives of credit providers. The chapter begins with a discussion of the features that can be used to define each type of consumer credit. The central part of the chapter then presents the different types of credit available in the market today,Mast-Cell 发表于 2025-3-22 11:46:35
The History of Credit,as existed since prehistoric times. It ranks alongside prostitution and brewing as one of the ‘oldest professions’ and over the ages has probably generated as much controversy and debate as either. It is easy to imagine the concept of ‘I’ll pay you tomorrow!’ developing almost as soon as barter andexhilaration 发表于 2025-3-22 13:47:00
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Legislation and Consumer Rights,ditions under which credit agreements operate. It is therefore, not surprising that consumer credit is subject to extensive legislation in many regions throughout the world. In this chapter the main UK and US legislation relating to consumer credit is described. Other jurisdictions have their own laExposure 发表于 2025-3-23 00:38:25
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Credit Granting Decisions,ifetime of the relationship. In the real world however, there is an inherent risk that a borrower will not repay the credit advanced to them. This could be for any one of a number of reasons, ranging from poor financial management or loss of employment, to family breakdown or death. A credit busines甜瓜 发表于 2025-3-23 06:40:25
Credit Reference Agencies,d default on loans taken out with another. The converse was also true. Those with a good history of repayment tended to be good customers again in the future. It therefore made sense for lenders to follow a ‘you show me yours and I’ll show you mine’ policy of sharing information about the repayment