搜索结果: 1-15 共查到“货币银行学 Consumer”相关记录16条 . 查询时间(0.093 秒)
We study the adoption of automated credit scoring at a large auto finance company and the
changes it enabled in lending practices. Credit scoring appears to have increased profits by
rou...
Using the extended innovation attributes framework and consumer personal characteristics as predictors of internet banking adoption
consumer behaviour innovation attributes internet banking logistic regression
2011/10/5
The presumed dominant role of usability attributes (ie usefulness and ease of use) in predicting consumer adoption of a technologically based innovation (eg internet banking — IB) is reexamined, by us...
Banking Law Reform and Users-Consumers in Developing Economies: Creating an Accessible and Equitable Consumer Base from the "Excluded"
banking sector legal reform efforts developing countries consumer protection issues
2011/9/30
The article evaluates banking sector legal reform efforts in developing countries since 1990. It also discusses consumer protection issues in banking sectors of developing countries. Recent selective ...
Fueling the Credit Crisis: Who Uses Consumer Credit and What Drives Debt Burden?
consumer debt credit attitude personal savings
2011/9/2
Excessive household debt contributed to the worst recession in decades. Insights about borrowing and spending behavior can inform economic recovery forecasts, policy decisions, and financial education...
CREDIT REGULATIONS AND CONSUMER BUYING - A CRITICAL EVALUATION OF AVAILABLE CONSUMER CREDIT STATISTICS
a critical evaluation available consumer credit statistics three principal types of credit statistics periodic basis
2011/9/2
The article presents a critical evaluation of available consumer credit statistics. It is reported that there are three principal types of consumer credit statistics available on a regular or periodic...
THE USEFULNESS OF "OTHER" LOANS AS A CURRENT INDICATOR OF MOVEMENTS IN CONSUMER CREDIT
consumer credit economic activity weekly series consistent indicator
2011/9/2
This article focuses on the role that consumer credit plays in economic activity. One of the article's goals is to call attention to the "Other" loans entry on the United States Federal Reserve Board'...
COST OF PROVIDING CONSUMER CREDIT: A STUDY OF FOUR MAJOR TYPES OF FINANCIAL INSTITUTIONS
Consumer credit consumer finance companies manufacturing corporations Average finance charges
2011/9/2
Consumer credit is supplied in many forms, ranging from small, unsecured loans to long-term contracts of thousands of dollars protected by valuable collateral. It is sometimes provided on a personaliz...
The Impact of General Credit Restraint on the Supply of Commercial Bank Consumer Installment Credit
credit the number of commercial bank the supply of consumer credit overall financial health
2011/9/2
The article discusses how credit restraint impacts the number of commercial bank consumers' installment credit. The objective of this article is to show that from 1965 to 1974, the supply of consumer ...
Indirect Evidence on the Efficacy of Selective Credit Controls: The Case of Consumer Credit
an empirical analysis consumer durable expenditures adjustments in consumer credit extensions expenditure distribution
2011/9/2
The article focuses on an empirical analysis on if consumer durable expenditures respond to adjustments in consumer credit extensions, using the Sims test for causality. It states that there is eviden...
Lending by numbers’: credit scoring and the constitution of risk within American consumer
consumer credit consumption credit scoring risk
2011/8/28
his paper examines how statistical credit-scoring technologies, sanctioned by the state in the interests of promoting equality, became applied by lenders to the problem of controlling levels of defaul...
Consumer credit card ownership and usage practices: empirical evidence from Sri Lanka
Consumer credit card ownership credit card usage credit cards
2011/8/26
Knowledge that has been accumulated through research efforts concerning credit card ownership and usage behaviour has been confined to Western societies. Given the importance of cross-national applica...
Do Credit Card Users Systematically Underestimate Their Interest Rates? Evidence from the Survey of Consumer Finances
bias credit cards interest rate optimism penalty rate
2011/8/22
This study examines credit card penalty pricing using data from the Survey of Consumer Finances. In particular, the author uses a flag in the data set for the first time to analyze bias in reported cr...
Beyond Disparate Impact: Risk-based Pricing and Disparity in Consumer Credit History Scores
Credit scoring Risk-based pricing expanding range of activities
2011/8/22
Despite the increasing importance of credit scoring to an expanding range of activities, very little is known about the nature of the credit scoring process. This article examines the interaction of c...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
financial crisis Responsibility and Disclosure credit card
2011/8/22
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...
Consumer Credit: A Primer for Financial Service Professionals and Their Clients
Consumer Credit Financial Service Professionals financial crisis
2011/8/20
As a result of restricted lending following the recent financial crisis, implementation of the 2009 Credit Card Accountability, Responsibility and Disclosure (CARD) Act, and widespread changes in cred...