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Consumer Credit in Europe, 1st ed. 2021 Macro- and Microeconomic Perspectives

Langue : Anglais

Auteur :

Couverture de l’ouvrage Consumer Credit in Europe

This book provides a comprehensive outlook on the state and role of consumer credits in European households and economy. 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-19 pandemic. The first had socio-economic sources, and the second one was an external event, but provoked important changes in consumer behaviour. Lock-downs deepened the preference for digital financial products. FinTechs 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 COVID-19 pandemic made households limit credits and build precautionary savings.
1. Trends and role of consumer credits in the European economy.- 2. Changing credit landscape.- 3. The role of consumer credits in the life of an European household.- 4. Regulatory and organisational context of consumer credits in Europe.- 5. Conclusion.

Maria Lissowska is a professor of economics at the Warsaw School of Economics. Her research focuses on institutional and financial economics. In 2007 – 2018 she was an official of the European Commission, specifically responsible for analysis and legislation of consumer credits. She then returned to research and now publishes on financial issues including   consumer credits and crowdfunding. 

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

Date de parution :

Ouvrage de 129 p.

14.8x21 cm

Disponible chez l'éditeur (délai d'approvisionnement : 15 jours).

Prix indicatif 58,01 €

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