Titlebook: Consumer Credit Fundamentals; Steven Finlay Book 2009Latest edition Steven Finlay 2009 credit.consumer.economics.ethics.management.marketi

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Credit Management,t business functions responsible for credit management, and the systems and processes they employ to manage customer relationships, are introduced within the context of the credit lifecycle. The credit lifecycle represents the different stages in the life of a credit product, as shown in Figure 9.1.

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Credit Granting Decisions,s will only be profitable if the return from those that repay their debts exceeds the losses where default has occurred. Therefore, when someone applies for credit, a lender needs to be able evaluate their creditworthiness, and only lend to them if there is a good chance that they will repay the loan.

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, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.978-1-349-30567-4978-0-230-23279-2

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https://doi.org/10.1007/978-3-642-78640-2 such as credit cards, mortgages and pawn loans, in terms of these features. The final part of the chapter discusses the institutions that provide consumer credit and the characteristics that differentiate one type of lending institution from another.