Consumer credit has become a topical issue for researchers,
regulators and the banking industry in Europe as a result of
increasing market integration, regulatory changes and a growing
tendency of households to use debt to finance consumption. This
study uses a cross-country approach to look at a broad range of
issues related to consumer credit in Europe. Focusing on both the
supply and demand sides, it takes into account the structure and
performance of financial intermediaries, the socio-demographic and
economic profile of households and their risk of over-indebtedness,
as well as the regulatory framework, such as the new Consumer
Credit Directive. In the light of this analysis, measures for the
prevention and management of over-indebtedness are presented. This
book is essential for postgraduate students and specialists in
financial institutions, for regulators and policy-makers who are in
charge of efficiency and stability of financial systems.
General
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