| 书目名称 | Consumer Credit in Europe | | 副标题 | Macro- and Microecon | | 编辑 | Maria Lissowska | | 视频video | | | 概述 | Provides a comprehensive outlook on the state and role of consumer credits.Covers two major turns in consumer credit evolution.Extends rules to new ways of crediting, like crowdfunding | | 图书封面 |  | | 描述 | .This 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.. . | | 出版日期 | Book 2021 | | 关键词 | Regulation of consumer credits; Changing credit landscape; European economy; Household finance; Contract | | 版次 | 1 | | doi | https://doi.org/10.1007/978-3-030-88231-0 | | isbn_ebook | 978-3-030-88231-0 | | copyright | The Author(s), under exclusive license to Springer Nature Switzerland AG 2021 |
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发表于 2025-3-21 18:15:49
