Download or read book Consumer Attitudes Toward Credit Insurance written by John M. Barron and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 166 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Attitudes Toward Credit Insurance provides the findings of a survey of approximately 3600 individuals who had the opportunity to purchase credit life insurance in conjunction with all types of consumer loans, except first mortgages and credit cards. The survey that forms the basis of the book was conducted in 1993 by the Credit Research Center at Purdue University's Krannert Graduate School of Management. It replicates and expands upon four previous national studies of credit insurance consumers, done between 1970 and 1985. Despite the generally positive findings of prior research with respect to consumer attitudes toward credit insurance, several open questions remain of interest to policy makers, specifically the question of whether coercion is involved in the sale of the insurance. Consumer Attitudes Toward Credit Insurance addresses these outstanding issues. It presents a profile of who is currently being served by the credit insurance market, as well as the reasons borrowers purchase the product and their experience with the offer of credit insurance at point of sale.
Download or read book Consumer Attitudes Toward Credit buying and the Shopper s Plan Credit Program written by Richard John Newbery and published by . This book was released on 1967 with total page 228 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Perception of Credit Insurance on Retail Purchases written by Joel Huber and published by . This book was released on 1978 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Selected Consumer Attitudes Toward Specific Aspects of Consumer Credit written by University of Guelph. Department of Consumer Studies and published by . This book was released on 1975 with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Attitudes Toward Auto Insurance written by and published by . This book was released on 1971 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Survey of Consumer Attitudes Toward the Use of Credit and Borrowing of Money written by John Kobel and published by . This book was released on 1970 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Attitudes Toward Auto Insurance written by and published by . This book was released on 1970 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Effects of Consumer Education on Low income Consumers Attitudes Toward Credit and Their Use of a Bank Credit Card written by Robert Harris Flashman and published by . This book was released on 1976 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book National Opinion Study written by Louis Harris and Associates and published by . This book was released on 1974 with total page 88 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by Oxford University Press. This book was released on 2014-07-16 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Download or read book Consumer Attitudes Toward Auto and Homeowners Insurance written by and published by . This book was released on 1974 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Consumer Credit and the American Economy written by Thomas A. Durkin and published by . This book was released on 2014 with total page 737 pages. Available in PDF, EPUB and Kindle. Book excerpt: Consumer Credit and the American Economy examines the economics, behavioral science, sociology, history, institutions, law, and regulation of consumer credit in the United States. After discussing the origins and various kinds of consumer credit available in today's marketplace, this book reviews at some length the long run growth of consumer credit to explore the widely held belief that somehow consumer credit has risen "too fast for too long." It then turns to demand and supply with chapters discussing neoclassical theories of demand, new behavioral economics, and evidence on production costs and why consumer credit might seem expensive compared to some other kinds of credit like government finance. This discussion includes review of the economics of risk management and funding sources, as well discussion of the economic theory of why some people might be limited in their credit search, the phenomenon of credit rationing. This examination includes review of issues of risk management through mathematical methods of borrower screening known as credit scoring and financial market sources of funding for offerings of consumer credit. The book then discusses technological change in credit granting. It examines how modern automated information systems called credit reporting agencies, or more popularly "credit bureaus," reduce the costs of information acquisition and permit greater credit availability at less cost. This discussion is followed by examination of the logical offspring of technology, the ubiquitous credit card that permits consumers access to both payments and credit services worldwide virtually instantly. After a chapter on institutions that have arisen to supply credit to individuals for whom mainstream credit is often unavailable, including "payday loans" and other small dollar sources of loans, discussion turns to legal structure and the regulation of consumer credit. There are separate chapters on the theories behind the two main thrusts of federal regulation to this point, fairness for all and financial disclosure. Following these chapters, there is another on state regulation that has long focused on marketplace access and pricing. Before a final concluding chapter, another chapter focuses on two noncredit marketplace products that are closely related to credit. The first of them, debt protection including credit insurance and other forms of credit protection, is economically a complement. The second product, consumer leasing, is a substitute for credit use in many situations, especially involving acquisition of automobiles. This chapter is followed by a full review of consumer bankruptcy, what happens in the worst of cases when consumers find themselves unable to repay their loans. Because of the importance of consumer credit in consumers' financial affairs, the intended audience includes anyone interested in these issues, not only specialists who spend much of their time focused on them. For this reason, the authors have carefully avoided academic jargon and the mathematics that is the modern language of economics. It also examines the psychological, sociological, historical, and especially legal traditions that go into fully understanding what has led to the demand for consumer credit and to what the markets and institutions that provide these products have become today.
Download or read book An Evaluation of the Determinants of Consumer Attitudes Toward Insurance Fraud written by Kelly Kennedy Adams and published by . This book was released on 2002 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Competitive Equity in the Financial Services Industry written by United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs and published by . This book was released on 1984 with total page 1826 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Comparative Study of Consumers Attitudes Toward the Use of Credit written by James H. Donnelly and published by . This book was released on 1973 with total page 8 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Guide to Trade Credit Insurance written by The International Credit Insurance & Surety Association and published by Anthem Press. This book was released on 2015-06-01 with total page 195 pages. Available in PDF, EPUB and Kindle. Book excerpt: ‘A Guide to Trade Credit Insurance’ is a reference book on trade credit insurance, written from an international perspective. It is a compilation of contributions from various authors and reviewers drawn from ICISA member companies. The book provides an overview of the whole process regarding trade credit insurance, including the history of trade credit insurance, trade credit insurance providers, the underwriting process, premium calculation, claims handling, case studies and a glossary of terminology.
Download or read book Consumer Attitude Toward Credit and Its Use written by Edith N. Gunnell and published by . This book was released on 1981* with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt:
