Download or read book The Economics of Instalment Buying written by Reavis Cox and published by . This book was released on 1948 with total page 552 pages. Available in PDF, EPUB and Kindle. Book excerpt: "A selected bibliography on instalment buying": pages 511-518.

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 The Economics of Instalment Selling written by Edwin Robert Anderson Seligman and published by . This book was released on 1927 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Economics of Instalment Selling Credit Risks written by Edwin Robert Anderson Seligman and published by . This book was released on 1927 with total page 384 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Installment Buying written by and published by . This book was released on 1928 with total page 132 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Debtor Nation written by Louis Hyman and published by Princeton University Press. This book was released on 2011-01-03 with total page 391 pages. Available in PDF, EPUB and Kindle. Book excerpt: The story of personal debt in modern America Before the twentieth century, personal debt resided on the fringes of the American economy, the province of small-time criminals and struggling merchants. By the end of the century, however, the most profitable corporations and banks in the country lent money to millions of American debtors. How did this happen? The first book to follow the history of personal debt in modern America, Debtor Nation traces the evolution of debt over the course of the twentieth century, following its transformation from fringe to mainstream—thanks to federal policy, financial innovation, and retail competition. How did banks begin making personal loans to consumers during the Great Depression? Why did the government invent mortgage-backed securities? Why was all consumer credit, not just mortgages, tax deductible until 1986? Who invented the credit card? Examining the intersection of government and business in everyday life, Louis Hyman takes the reader behind the scenes of the institutions that made modern lending possible: the halls of Congress, the boardrooms of multinationals, and the back rooms of loan sharks. America's newfound indebtedness resulted not from a culture in decline, but from changes in the larger structure of American capitalism that were created, in part, by the choices of the powerful—choices that made lending money to facilitate consumption more profitable than lending to invest in expanded production. From the origins of car financing to the creation of subprime lending, Debtor Nation presents a nuanced history of consumer credit practices in the United States and shows how little loans became big business.

Download or read book Public Affairs Information Service Bulletin written by and published by . This book was released on 1926 with total page 540 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Economics of Consumer Credit written by Giuseppe Bertola and published by MIT Press. This book was released on 2006 with total page 389 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cross-national analysis of empirical, theoretical, and policy issues in the consumer credit industry, including household debt, credit card usage, and bankruptcy.

Download or read book The Economic Report of the President written by United States. Congress. Joint Economic Committee and published by . This book was released on 1966 with total page 774 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Eberle and Riggleman Economic Servie written by Eberle Economic Service and published by . This book was released on 1926 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Home Economics Series written by and published by . This book was released on 1935 with total page 916 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Congressional Record written by United States. Congress and published by . This book was released on 1963 with total page 1248 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Automation and Technological Change written by United States. Congress. Joint Economic Committee. Subcommittee on Economic Stabilization and published by . This book was released on 1955 with total page 658 pages. Available in PDF, EPUB and Kindle. Book excerpt: Examines industrial and employment impact of automation.

Download or read book Commercial West written by and published by . This book was released on 1926 with total page 1244 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Automation and Technological Change written by United States. Congress. Joint Economic Committee and published by . This book was released on 1955 with total page 662 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Home Economics Education Series written by United States. Division of Vocational Education and published by . This book was released on 1940 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book The Journal of Home Economics written by and published by . This book was released on 1927 with total page 910 pages. Available in PDF, EPUB and Kindle. Book excerpt: