Relevant bibliographies by topics / Consume credit

Contents

  1. Journal articles
  2. Dissertations / Theses
  3. Books
  4. Book chapters
  5. Conference papers
  6. Reports

Academic literature on the topic 'Consume credit'

Author: Grafiati
Published: 4 June 2021
Last updated: 1 February 2022

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Journal articles on the topic "Consume credit"

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Brown, Christopher. "Consumer Credit and the Propensity to Consume: Evidence from 1930." Journal of Post Keynesian Economics 19, no. 4 (July 1997): 617–38. http://dx.doi.org/10.1080/01603477.1997.11490131.

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Ekpo, Mokutima, Eni Alobo, and Jacob Enyia. "Impediments to the Development of a Strong Consumer Credit System in Nigeria." World Journal of Social Science 5, no. 1 (November 30, 2017): 36. http://dx.doi.org/10.5430/wjss.v5n1p36.

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Consumer credit is debt that is obtained by persons who intend to spend the money immediately. Assessingconsumer credit tells us imperative things about our economy. If consumers have the capacity to borrow effortlesslyand refund those debts on time, then the economy should be stimulated and we will have growth. Consumers are theinstrument and brainbox of the economy, when credit is unavailable, consumers will face foremost complications inborrowing. In this circumstance, consumers would consume less since they have less access to credit. For this reason,manufacturers will sell less, and produce less. The importance of a viable consumer credit system cannot be overemphasized. This paper hypothesizes that certain identified factors militate against the development of a strongconsumer credit system in Nigeria. It examines and analyses these challenges and exposes their negative roles in thedevelopment of a strong consumer credit system. It focuses on strategies that can improve consumer access to creditfacilities and concludes that there is need for a paradigmatic change. It therefore makes recommendations that canchallenge Nigerian policy makers to improve on, or evolve a stronger consumer credit system.
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Paolazzi, Luca. "Nella crisi, oltre la crisi." ECONOMIA E POLITICA INDUSTRIALE, no. 1 (April 2009): 21–29. http://dx.doi.org/10.3280/poli2009-001003.

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- The economic crisis has changed the priorities of Italian manufacturing companies. The collapse of both domestic and foreign demand, together with the creeping credit crunch, has put survival at the top of the agenda. Many Italian firms have been struck during a process of change and innovation of products, processes and organization. Transformation is important and must continue, but this process of change requires policies aimed at supporting consumption and investment, in the absence of which even healthy companies would fail to outlive the crisis. This article explains what kind of policies are needed and why. Keywords: depression, credit crunch, corporate governance, industrial policies, incentives to consume Parole chiave: depressione, restrizione del credito, corporate governance, politiche industriali, incentivi al consumo Jel Classification: L25
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Gross, Tal, Matthew J. Notowidigdo, and Jialan Wang. "The Marginal Propensity to Consume over the Business Cycle." American Economic Journal: Macroeconomics 12, no. 2 (April 1, 2020): 351–84. http://dx.doi.org/10.1257/mac.20160287.

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We estimate how the marginal propensity to consume (MPC) out of liquidity varies over the business cycle. Ten years after a Chapter 7 bankruptcy, the bankruptcy flag is removed from the filer’s credit report, generating an increase in credit score. In the year following flag removal, credit card limits increase by $778 and credit card balances increase by $290, implying an MPC of 0.37. Using cohorts of flag removals, we find that the MPC was 20 to 30 percent higher during the Great Recession, increased during the 2001 recession, and is positively correlated with the local unemployment rate. (JEL E21, E24, E32, G51)
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Agarwal, Sumit, Souphala Chomsisengphet, Stephan Meier, and Xin Zou. "In the mood to consume: Effect of sunshine on credit card spending." Journal of Banking & Finance 121 (December 2020): 105960. http://dx.doi.org/10.1016/j.jbankfin.2020.105960.

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Contreras Pinochet, Luis Hernan, Guilherme Tongnole Diogo, Evandro Luiz Lopes, Eliane Herrero, and Ricardo Luiz Pereira Bueno. "Propensity of contracting loans services from FinTech’s in Brazil." International Journal of Bank Marketing 37, no. 5 (July 1, 2019): 1190–214. http://dx.doi.org/10.1108/ijbm-07-2018-0174.

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Purpose Given the large global investments made in FinTechs and the context of Brazilian credit (which has been suffering from the effects of the crisis in the last decade), the purpose of this paper is to study the propensity of consumption of credit services offered by FinTechs of loans. In order to discover the factors that influenced the propensity to apply for FinTech loans, a theoretical model was designed, which was tested by means of a survey given to individuals who might contract loans. Design/methodology/approach The final sample consisted of 507 individuals whose data were analyzed through structural equation modeling (SEM), with estimation of partial least squares. Findings From the results of the research, it was possible to draw a profile of the FinTechs of Brazilian loans and also to estimate the antecedents of the propensity to utilize this type of service. Research limitations/implications The model proposed in this work was developed to measure the propensity to consume in relation to the credit services offered by lending FinTechs. Practical implications The consumer should intensify the use of these channels to shape financial products and services to their needs, thereby democratizing access to credit, which is often restricted in quantity and quality by policies of institutions that dominate the Brazilian lending market. Originality/value Aspects such as trust, personal innovation, perceived utility, ease of use and social influence, as well as the constructs that precede them like privacy, stigma and transactional distance, explain 41.5 percent of the propensity to use services from lending FinTechs in Brazil.
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Sparkes, Matthew. "Borrowed identities: Class(ification), inequality and the role of credit-debt in class making and struggle." Sociological Review 67, no. 6 (February 25, 2019): 1417–34. http://dx.doi.org/10.1177/0038026119831563.

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Class analysis has re-emerged as a pertinent area of enquiry. This development is linked to a growing body of work dubbed cultural class analysis, that utilises Bourdieu’s class scheme to develop rich understandings of how culture and lifestyle interacts with economic and social relations in Britain, generating inequalities and hierarchies. Yet cultural class analyses do not properly account for the way individuals resist their relative class positions, nor the role of unsecured credit in facilitating consumption. This article contributes to this area by examining how unsecured credit and problem debt influences consumption and class position amongst individuals with modest incomes. Drawing on 21 interviews with individuals managing problem debt, this article details how class inequality emerges through affective states that include anxiety and feelings of deficit. It also shows how these experiences motivate participants to rely on unsecured credit to consume cultural goods and engage in activities in a struggle against their class position, with the intention of enhancing how they are perceived and classified by others. The findings indicate that cultural class analyses may have overlooked the symbolic importance of mundane consumption and goods in social differentiation. This article further details how these processes entangle individuals into complex liens of debt – which lead to over-indebtedness, default, dispossession and financial expropriation – illustrating how investigations of credit-debt can better inform understandings of class inequality, exploitation and struggle.
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Mian, Atif, Kamalesh Rao, and Amir Sufi. "Household Balance Sheets, Consumption, and the Economic Slump*." Quarterly Journal of Economics 128, no. 4 (September 20, 2013): 1687–726. http://dx.doi.org/10.1093/qje/qjt020.

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Abstract We investigate the consumption consequences of the 2006–9 housing collapse using the highly unequal geographic distribution of wealth losses across the United States. We estimate a large elasticity of consumption with respect to housing net worth of 0.6 to 0.8, which soundly rejects the hypothesis of full consumption risk-sharing. The average marginal propensity to consume (MPC) out of housing wealth is 5–7 cents with substantial heterogeneity across ZIP codes. ZIP codes with poorer and more levered households have a significantly higher MPC out of housing wealth. In line with the MPC result, ZIP codes experiencing larger wealth losses, particularly those with poorer and more levered households, experience a larger reduction in credit limits, refinancing likelihood, and credit scores. Our findings highlight the role of debt and the geographic distribution of wealth shocks in explaining the large and unequal decline in consumption from 2006 to 2009.
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Abdullayev, Shavkat. "CONSUMER CREDIT: THEORY AND PRACTICE." INNOVATIONS IN ECONOMY 3, no. 3 (March 30, 2020): 32–37. http://dx.doi.org/10.26739/2181-9491-2020-3-5.

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The article discusses the theoretical foundations, current status and ways of improving consumer lending in Uzbekistan. It were studied the views of foreign and domestic scientists on the definition of consumer credit. There are analyzed the disadvantages of consumer credits and are proposed ways to improve them
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Molodyko, Kirill. "REGULATORY CHOICES OF RUSSIAN AN D UKRAINIAN LEGISLATORS IN CONSUMER CREDITS: A COMPARATIVE PERSPECTIVE." Russian Law Journal 6, no. 4 (November 1, 2018): 100–125. http://dx.doi.org/10.17589/2309-8678-2018-6-4-100-125.

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Russia and Ukraine have recently adopted complex statutes on consumer credit. Ukraine, unlike Russia, declared the aim of the new act, inter alia, harmonization of the legislation with international and EU standards. Prior to enactment, both countries had a fragmentary regulation of few aspects of consumer credit in general consumer protection laws. I consider peculiarities of the elimination of the contract disproportion of debtor and creditor rights in contracts on consumer credit under new Russian and Ukrainian regulations from a comparative perspective. EU law does not regulate some important issues covered by Russian and Ukrainian legislations, e.g. priority of payments. On the contrary, some useful concepts, which are applicable to consumer loans under EU law, like “linked credits,” “open-end agreements” are absent in both Russian and Ukrainian laws. While comparing new Russian and Ukrainian consumer credit statutes, it is clear that in some aspects the Ukrainian one is pro-consumer, and in some other aspects the Russian one is more pro-consumer. Some provisions of both Russian and Ukrainian consumer credit statutes are very controversial and unclear; in some instances they could lead to debt slavery, so they must be corrected in the future.
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Dissertations / Theses on the topic "Consume credit"

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Duh, Helen Inseng. "Money attitudes and materialism among generation Y South Africans: a life-course study." Thesis, Nelson Mandela Metropolitan University, 2011. http://hdl.handle.net/10948/d1008612.

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Materialism has long been a subject of interest to researchers. More negative than positive consequences have been reported from studies on the lifestyles of materialists. For example, increased consumer and credit card debt, shrinking saving rates, increased number of consumers filing for bankruptcy, lower levels of life satisfaction and the depletion of natural resources are reported to be emanating from the increasing levels of materialism in societies. It is thus important to investigate the factors that can be implicated for the growth of materialism. Most of the studies attempt to explain materialism at a given point in time in isolation of the events people have experienced in their early life or childhood. Realizing that this practice is a shortcoming in consumer research, there is a call that consumer behaviour, such as materialism, be studied as a function of past life experiences using the life-course approach. While few studies have applied this approach to understanding materialism, little is known about the psychological processes that link childhood family structure to materialism. It is against this background that this study used the life-course approach to study how childhood family structure affects materialism through psychological processes of perceived family resources (tangible and intangible), perceived stress from the disruptive family events, and money attitudes of Generation Y South Africans. The study also assessed the moderating role of money attitudes on the relationship between childhood family experiences and materialism. Money attitude dimensions of status, achievement, worry, security and budget were introduced to broaden the life-course study of materialism because they are reported to begin in childhood, to remain in adulthood and they function in the background of every behavioural intention and action. Generation Y (commonly reported to be born between 1977 and 1994) were the subject of this study, because the literature reviewed revealed that these emerging consumers are not only numerous (about 30 percent of South Africans are Generation Y), have considerable influence and spending power, but most have been raised in disrupted single-parent/income families. With reports from family sociologists on the outcomes of divorce and single-parenthood (for example, stress, inadequate family resources, and low self-esteem) questions were raised as to how these outcomes would affect Generation Y money attitudes and materialistic values. Ten hypotheses were formulated to empirically answer the research questions. Using quantitative methodologies based on the nature of the research questions and problems, data were collected through online questionnaire from 826 business undergraduate students from the Nelson Mandela Metropolitan and Western Cape Universities. University-aged respondents were appropriate for this study since they are ideally suited to remember their past family circumstances and must have already formed consumption habits, attitudes and values at their age. The first research problem was to evaluate how two of the life-course theoretical perspectives (i.e., family resources and stress) selected for this study would explain the materialistic values of Generation Y South Africans raised in non-intact (did not live with both biological parents before 18th birthday) and intact (lived with both biological parents before 18th birthday) family structures through the money attitudes adopted. The results showed that even though a significant difference in perceived family resources (both tangible and intangible) and stress was found between subjects raised in non-intact (or disrupted) and intact families, the difference in materialism as a whole was not significant. In terms of the three materialistic values of success, happiness and centrality, subjects raised in disrupted families significantly scored higher in the happiness dimension. For the money attitude dimensions of status, achievement, worry, budget and security they significantly scored higher in the worry money attitude. Results of the correlation analyses showed that perceived decrease in tangible (food, clothing and pocket money) family resources was a childhood factor that affected later worry money attitude to significantly and positively influence all of the three materialistic values. Perceived decreases in intangible family resources (for example, love and emotional support) negatively affected the symbolic money attitudes of status and worry, which in turn, positively affected only the happiness dimension of materialism. Perceived increase in stress positively affected all of the symbolic money attitudes of status, worry and achievement. These, in turn, positively influenced only the success and happiness materialistic values. The second research problem was based on an assessment of the moderating role of money attitudes on the childhood family experiences to materialism relationship. Using hierarchical regression analyses, it was found that only the achievement and worry money attitude dimensions moderated the family resources to materialism relationship. This means that when subjects hold higher worry and achievement money attitudes, an increase in family resources (tangible and intangible) will have less effect in reducing materialistic tendencies. For the stress to materialism relationship, only the worry money attitude dimension had a moderating effect, meaning that when higher worry money attitude is held, an increase in stress from family disruptions would have a greater effect in increasing materialistic tendencies. None of the five money attitude dimensions did, however, moderate the childhood family structure to materialism relationship. The results of this study do not only have theoretical implications, but also provide valuable information to consumer-interest groups, banks and retailers, especially in terms of the money attitudes of Generation Y consumers in South Africa.
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Ashley, David W. "The Demand for Consumer Credit." Thesis, Virginia Tech, 2002. http://hdl.handle.net/10919/34158.

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The demand for consumer credit is an area of economics that is of great interest to those in the lending community. While much research has been performed on this topic in the financial industry, the findings have been very closely guarded for competitive reasons. In this study, reduced form equations were derived to form the basis of a 2SLS regression model. This model was used to estimate the demand for consumer credit in the United States over the period 1973 - 2002. Six independent variables were included in the analysis: monetary base, unemployment rate, consumer confidence index, disposable personal income, federal funds interest rate and the price/barrel of oil.

The model results concluded that only two of these variables significantly affect the demand for consumer credit – disposable personal income (DPIt) and the unemployment rate (uet). The error terms were compared against those derived from two alternative models using the same data sets – a trend model and an autoregressive model – AR(1). The root mean square error (RMSE) for the reduced form model was significantly lower then that of the trend model, but slightly higher then the AR(1) model. The objectives of this study are to: (1) produce an accurate model that defines the drivers behind the demand for consumer credit, while (2) producing results consistent with econometric theory. Based on this set of objectives, the reduced form model is the superior of the three models included in this study.


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Dey, Shubhasis. "Essays on consumer lines of credit credit cards and home equity lines of credit /." Columbus, Ohio : Ohio State University, 2004. http://rave.ohiolink.edu/etdc/view?acc%5num=osu1091811947.

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Thesis (Ph. D.)--Ohio State University, 2004.
Title from first page of PDF file. Document formatted into pages; contains x, 97 p. : ill. Advisor: Lucia Dunn, Department of Economics. Includes bibliographical references (p. 94-97).
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Tong, Edward N. C. "Mixture models for consumer credit risk." Thesis, University of Southampton, 2015. https://eprints.soton.ac.uk/374795/.

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The three papers in this thesis comprise the development of three types of Basel models – a Probability of Default (PD), Loss Given Default (LGD) and Exposure at Default (EAD) model for consumer credit risk, using mixture model methods. Mixture models consider the underlying population as being composed of different sub-populations that are modelled separately. In the first paper (Chapter 2), mixture cure models are introduced to the area of PD/credit scoring. A large proportion of the dataset may not experience the event of interest during the loan term, i.e. default. A mixture cure model predicting (time to) default on a UK personal loan portfolio was developed and its performance compared to industry standard models. The mixture cure model's ability to distinguish between two subpopulations can offer additional insights by estimating the parameters that determine susceptibility to default in addition to parameters that influence time to default of a borrower. The second paper (Chapter 3) considers LGD modelling. One of the key problems in building regression models to estimate loan-level LGD in retail portfolios such as mortgage loans relates to the difficulty in modelling its distribution, which typically contains an extensive amount of zeroes. An alternative approach is proposed in which a mixed discrete-continuous model for the total loss amount incurred on a defaulted loan is developed. The model simultaneously accommodates the probability of zero loss and the loss amount given that loss occurs. This zero-adjusted gamma model is shown to present an alternative and competitive approach to LGD modelling. The third paper (Chapter 4) considers EAD models for revolving credit facilities with variable exposure. The credit conversion factor (CCF), the proportion of the current undrawn amount that will be drawn down at time of default, is used to calculate the EAD and poses modelling challenges with challenging bimodal distributions. We explore alternative EAD models which ignore the CCF formulation and target the EAD distribution directly. We propose a mixture model with the zero-adjusted gamma distribution and compare performance with CCF based models. We find the mixture model to be more accurate in calibration than the CCF models and that segmented approaches offer further performance improvements.
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Teufel, Anne Julia. "Der finanzierte Verbrauchsgüterkauf im deutschen und französischen Recht : rechtsvergleichende Untersuchung zum Verbraucherschutzrecht bei finanzierten Verträgen /." Baden-Baden Nomos, 2007. http://d-nb.info/989342867/04.

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Ji, Tingting. "Essays on consumer portfolio and credit risk." Connect to this title online, 2004. http://rave.ohiolink.edu/etdc/view?acc%5Fnum=osu1098981351.

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Thesis (Ph. D.)--Ohio State University, 2004.
Title from first page of PDF file. Document formatted into pages; contains ix, 99 p.; also includes graphics. Includes bibliographical references (p. 95-99).
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Lin, Chi-Jack. "Racial Discrimination in the Consumer Credit Market." The Ohio State University, 2010. http://rave.ohiolink.edu/etdc/view?acc_num=osu1276708518.

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Henley, William Edward. "Statistical aspects of credit scoring." Thesis, Open University, 1994. http://oro.open.ac.uk/57441/.

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This thesis is concerned with statistical aspects of credit scoring, the process of determining how likely an applicant for credit is to default with repayments. In Chapters 1-4 a detailed introduction to credit scoring methodology is presented, including evaluation of previous published work on credit scoring and a review of discrimination and classification techniques. In Chapter 5 we describe different approaches to measuring the absolute and relative performance of credit scoring models. Two significance tests are proposed for comparing the bad rate amongst the accepts (or the error rate) from two classifiers. In Chapter 6 we consider different approaches to reject inference, the procedure of allocating class membership probabilities to the rejects. One reason for needing reject inference is to reduce the sample selection bias that results from using a sample consisting only of accepted applicants to build new scorecards. We show that the characteristic vectors for the rejects do not contain information about the parameters of the observed data likelihood, unless extra information or assumptions are included. Methods of reject inference which incorporate additional information are proposed. In Chapter 7 we make comparisons of a range of different parametric and nonparametric classification techniques for credit scoring: linear regression, logistic regression, projection pursuit regression, Poisson regression, decision trees and decision graphs. We conclude that classifier performance is fairly insensitive to the particular technique adopted. In Chapter 8 we describe the application of the k-NN method to credit scoring. We propose using an adjusted version of the Eucidean distance metric, which is designed to incorporate knowledge of class separation contained in the data. We evaluate properties of the k-NN classifier through empirical studies and make comparisons with existing techniques.
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Vessio, Monica L. "The effects of the in duplum rule and clause 103(5) of the National Credit Bill 2005 on interest /." Pretoria : [s.n.], 2005. http://upetd.up.ac.za/thesis/available/etd-02072007-184243/.

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Blunt, Gordon. "Mining credit card data." Thesis, n.p, 2002. http://ethos.bl.uk/.

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Books on the topic "Consume credit"

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Stephenson, Graham. Consumer credit. London: Collins Professional Books, 1987.

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Parliament, Great Britain. Consumer Credit Bill. London: Stationery Office, 2005.

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Parliament, Great Britain. Consumer Credit Bill. London: Stationery Office, 2004.

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Consumer credit law. Dublin: Round Hall Sweet & Maxwell, 1998.

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Consumer credit fundamentals. Houndmills, Basingstoke, Hampshire: Palgrave Macmillan, 2005.

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Nicewander, Dan L. Consumer credit regulations. 2nd ed. New York: Wiley Law Publications, 1989.

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Finlay, Steven. Consumer Credit Fundamentals. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230232792.

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Finlay, Steven. Consumer Credit Fundamentals. London: Palgrave Macmillan UK, 2005. http://dx.doi.org/10.1057/9780230502345.

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Great Britain. Parliament. House of Lords. Consumer Credit Bill. London: Stationery Office, 2005.

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Chrystal, K. Alec. Consumer debt: Whose responsibility? London: Social Affairs Unit, 1990.

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Book chapters on the topic "Consume credit"

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Judge, Stephen. "Consumer credit." In Business Law, 475–92. London: Macmillan Education UK, 2009. http://dx.doi.org/10.1007/978-1-137-12044-1_20.

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Major, W. T. "Consumer Credit." In Basic English Law, 224–37. London: Macmillan Education UK, 1990. http://dx.doi.org/10.1007/978-1-349-20588-2_17.

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Finlay, Steven. "Credit Management." In Consumer Credit Fundamentals, 142–73. London: Palgrave Macmillan UK, 2005. http://dx.doi.org/10.1057/9780230502345_7.

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Finlay, Steven. "Credit Management." In Consumer Credit Fundamentals, 191–220. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230232792_9.

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Lander, David A. "Consumer Credit Regulation." In Handbook of Consumer Finance Research, 301–13. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28887-1_25.

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Judge, Stephen. "Consumer Credit Agreements." In Business Law, 435–49. London: Macmillan Education UK, 1999. http://dx.doi.org/10.1007/978-1-349-14962-9_14.

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Finlay, Steven. "Credit Granting Decisions." In Consumer Credit Fundamentals, 91–116. London: Palgrave Macmillan UK, 2005. http://dx.doi.org/10.1057/9780230502345_5.

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Finlay, Steven. "Credit Reference Agencies." In Consumer Credit Fundamentals, 117–41. London: Palgrave Macmillan UK, 2005. http://dx.doi.org/10.1057/9780230502345_6.

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Finlay, Steven. "Credit Granting Decisions." In Consumer Credit Fundamentals, 138–65. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230232792_7.

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Finlay, Steven. "Credit Reference Agencies." In Consumer Credit Fundamentals, 166–90. London: Palgrave Macmillan UK, 2009. http://dx.doi.org/10.1057/9780230232792_8.

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Conference papers on the topic "Consume credit"

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Lin, Wangli, Li Sun, Qiwei Zhong, Can Liu, Jinghua Feng, Xiang Ao, and Hao Yang. "Online Credit Payment Fraud Detection via Structure-Aware Hierarchical Recurrent Neural Network." In Thirtieth International Joint Conference on Artificial Intelligence {IJCAI-21}. California: International Joint Conferences on Artificial Intelligence Organization, 2021. http://dx.doi.org/10.24963/ijcai.2021/505.

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Online credit payment fraud detection plays a critical role in financial institutions due to the growing volume of fraudulent transactions. Recently, researchers have shown an increased interest in capturing users’ dynamic and evolving fraudulent tendencies from their behavior sequences. However, most existing methodologies for sequential modeling overlook the intrinsic structure information of web pages. In this paper, we adopt multi-scale behavior sequence generated from different granularities of web page structures and propose a model named SAH-RNN to consume the multi-scale behavior sequence for online payment fraud detection. The SAH-RNN has stacked RNN layers in which upper layers modeling for compendious behaviors are updated less frequently and receive the summarized representations from lower layers. A dual attention is devised to capture the impacts on both sequential information within the same sequence and structural information among different granularity of web pages. Experimental results on a large-scale real-world transaction dataset from Alibaba show that our proposed model outperforms state-of-the-art models. The code is available at https://github.com/WangliLin/SAH-RNN.
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Cheng, Frank, Yagil Engel, and Michael P. Wellman. "Cap-and-Trade Emissions Regulation: A Strategic Analysis." In Twenty-Eighth International Joint Conference on Artificial Intelligence {IJCAI-19}. California: International Joint Conferences on Artificial Intelligence Organization, 2019. http://dx.doi.org/10.24963/ijcai.2019/27.

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Cap-and-trade schemes are designed to achieve target levels of regulated emissions in a socially efficient manner. These schemes work by issuing regulatory credits and allowing firms to buy and sell them according to their relative compliance costs. Analyzing the efficacy of such schemes in concentrated industries is complicated by the strategic interactions among firms producing heterogeneous products. We tackle this complexity via an agent-based microeconomic model of the US market for personal vehicles. We calculate Nash equilibria among credits-trading strategies in a variety of scenarios and regulatory models. We find that while cap-and-trade results improves efficiency overall, consumers bear a disproportionate share of regulation cost, as firms use credit trading to segment the vehicle market. Credits trading volume decreases when firms behave more strategically, which weakens the segmentation effect.
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Yapar Saçık, Sinem, and Ebubekir Karaçayır. "Relationship between Current Account Deficit and Credit Volume after the Global Financial Crisis: The Case of Turkey." In International Conference on Eurasian Economies. Eurasian Economists Association, 2014. http://dx.doi.org/10.36880/c05.01091.

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An important macroeconomic variable, current account deficit as percentage of gross domestic product is considered as an indicator of an economic crisis when it is above 5%. In the economies where current account deficit is a problem, source of current account deficit should be determined for the solution. In the case of an interaction between credit expansion and current account, policies using a credit mechanism can be applied to stabilize the current account balance. In order to determine the relationship between current account deficit and credit volume before and after the financial crisis, visual graphics based on data will be utilized. This paper analysis the cointegration, long and short run causality relationship between current account deficit and consumer credits for Turkey over the period 2004Q3-2013Q3. The results of Johansen cointegration test indicate a cointegration between these variables. The empirical results show that there is bidirectional long and short run casuality relationship among variables. After the financial crisis of 2008, the increase in credit expansion increased domestic consumption depending on imports causing deterioration in current account deficit. There are difficulties of low finance qualities of this current account deficit and the realization of structural transformation in favor of exports in short term. Targeting a continuing economic growth increases energy dependency and import of investment goods, so puts credit mechanism policies forward to fight with current account deficit. Limiting the credit volume more than necessary to reduce current account deficit can worsen the various macroeconomic variables.
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Lau, Hon Chung. "The Color of Energy: The Competition to be the Energy of the Future." In International Petroleum Technology Conference. IPTC, 2021. http://dx.doi.org/10.2523/iptc-21348-ms.

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Abstract Energies may be described as brown, blue or green. Brown energies are CO2-emitting fossil fuels. Blue energies employ carbon capture and storage (CCS) technologies to remove the emitted CO2 from brown energies. Green energies are zero or low CO2-emitting renewable energies. Likewise, energy carriers such as electricity and hydrogen may be described as brown, blue or green if they are produced from brown, blue or green energy, respectively. The transition from a high carbon intensity to a low carbon intensity economy will require the decarbonization of three major sectors: power, transport and industry. By analyzing the CO2 intensity and levelized cost of energy (LCOE) of energy and energy carriers of different colors, we show that renewable energies are best used in replacing fossil fuels in the power sector where it has the most impact in reducing CO2 emission. This will consume the majority of new additions to renewable energies in the near to medium future. Consequently, the decarbonation of the transport and industry sectors must begin with the use of blue electricity, blue fossil fuels and blue hydrogen. To achieve this, implementation of large-scale CCS projects will be necessary, especially outside of USA and northern Europe. However, this will not happen until significant financial incentives in the form of carbon tax or carbon credit becomes available from national governments. Furthermore, private-public partnership and intergovernmental cooperation will be needed to implement these CCS projects.
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Li, Xue, Hongdi Zhang, Qian Wang, Xiaogang Chen, Juan Shi, and Qian Jia. "The Influence of Online Personal Consumer Credit Products on Consumers' Impulse Purchasing Intention." In the 2019 3rd International Conference. New York, New York, USA: ACM Press, 2019. http://dx.doi.org/10.1145/3355166.3355179.

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Gusarova, Darya Dmitrievna, and Vadim Yakovlevich Vishnever. "ESSENCE AND PRINCIPLES OF BANKING CONSUMER LOAN." In Russian science: actual researches and developments. Samara State University of Economics, 2020. http://dx.doi.org/10.46554/russian.science-2020.03-1-760/764.

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Pisula, Tomasz. "ENSEMBLE CLASSIFIERS APPROACH FOR CONSUMER CREDIT SCORING." In 5th International Multidisciplinary Scientific Conferences on SOCIAL SCIENCES and ARTS SGEM2018. STEF92 Technology, 2018. http://dx.doi.org/10.5593/sgemsocial2018/1.3/s03.019.

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Ata, Sezai. "The Macroeconomic Effects of Credit Regulations." In International Conference on Eurasian Economies. Eurasian Economists Association, 2018. http://dx.doi.org/10.36880/c10.02075.

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In this study, the effects of macro prudential policies on consumer loans in the recent period are examined on the basis of total loan developments and credit type. The findings of the study show that macro prudential policies are quite effective in slowing down the growth rate of total credit and consumer loans for the ultimate purpose. In addition, the overall provisioning and risk weighting regimes provided banks with a modest level of capital adequacy ratios and prevented banks from growing in risky assets. The results of some loan types indicate that credit utilization, determined by changes in interest rates, can also be limited through macro prudential policies. Regulations for credit are not final and invariable. Credit data should be followed up at regular intervals and adjusted to the most appropriate state by tightening or loosening when necessary. In order to balance the large price increases between regions and to prevent speculative movements in the housing market, it is necessary to determine speculative region criteria specific to Turkey and then apply it to prevent speculative price bubbles. It is important to analyze the effect of rapid growth of residential mortgage lending on housing prices and also on the income distribution in the middle and long term. Considering the recent low or negative rate hikes in credit card expenditures, the effects of the flexibility introduced in installment numbers in September 2016 should be monitored in the upcoming period. Restrictions should be somewhat eased if they are not sufficient.
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Tyagi, Pawan, Wondwosen Demisse, Marzieh Savadkoohi, and Takele Gemeda. "Positive Intelligence Training to Develop Self-Awareness for Enhancing Student Learning Potential During Higher Education." In ASME 2020 International Mechanical Engineering Congress and Exposition. American Society of Mechanical Engineers, 2020. http://dx.doi.org/10.1115/imece2020-23845.

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Abstract Positive intelligence (PI) training can produce a transformative impact on college students. PI, a branch of human psychology, provides a tool to identify significant compulsive habits that can inhibit students’ learning potential and ability to understand others. This paper discusses the two training methods adopted for teaching graduate and undergraduate students. It is considered that including such training is fundamentally crucial for developing 21st century STEM workforce with a well-rounded personality. However, PI training may consume a significant class time allocated for covering course contents under the degree-specific curriculums. Starting a new course may increase the credit overload beyond the approved BS and graduate credits. This paper discusses introducing different modules in the existing classes to foster PI training. The PI training method for undergraduate students focuses on self-education via online videos and freely available content and self-assessment tests. Undergraduate students were given a set of questions to guide them about the important PI topics and to pay attention while self-learning the PI elements. The PI assignment starts with the familiarization of the Maslow hierarchy of needs governing the motivation behind human actions. This assignment mainly focuses on understanding the “sage” mode in which a human tends to utilize his/her latent and earned skills towards the attainment of goals and living life purposefully. The PI assignment had several questions on self-sabotaging “saboteurs” and judging traits that almost everyone develops as a survival mechanism while facing emotional and physical survival challenges for an extended period. During class discussion, students were exposed to their hidden/invisible saboteurs which could be easily triggered by unrealistic mental threats and thus compromise their learning function and performance. Students were asked to take free online self-assessment saboteur test to find the numerical values of their traits and do self-evaluation and plan to counteract the effect of self-sabotaging habits. PI training fulfills ABET student learning outcomes focusing on developing their life-long learning skills. This paper mainly discusses the PI training for graduate students under the mechanical engineering department. PI training is one of the first and essential modules in the mandatory MECH 500 Research Methods and Technical Communication course. Graduate students enrolled in this course are first introduced to the importance of PI and its potential impact in developing self-efficacy. After the initial introduction, graduate students are asked to do the following (a) Complete the abovementioned assignment given to the undergraduate student, (b) prepare a presentation on PI by including their insights for class discussion. After the PI training, students were asked to reflect on their competence in PI and the ability to apply it. In the survey and direct feedback, students expressed the value and appreciation for the PI training. Students also expressed the need to provide this training to large masses for developing an emotionally mature society of parents, teachers, and students, producing creative, innovative, and emphatic civilization.
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Shi, Xiujin, Kai Chen, and Junrui Zhang. "Research on Consumer Credit Portrait Intelligent Scoring Model." In ASSE '20: 2020 Asia Service Sciences and Software Engineering Conference. New York, NY, USA: ACM, 2020. http://dx.doi.org/10.1145/3399871.3399901.

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Reports on the topic "Consume credit"

1

Livshits, Igor, James MacGee, and Michèle Tertilt. Costly Contracts and Consumer Credit. Cambridge, MA: National Bureau of Economic Research, September 2011. http://dx.doi.org/10.3386/w17448.

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Musto, David, and Nicholas Souleles. A Portfolio View of Consumer Credit. Cambridge, MA: National Bureau of Economic Research, November 2005. http://dx.doi.org/10.3386/w11735.

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Burke, Jeremy, Julian Jamison, Dean Karlan, Kata Mihaly, and Jonathan Zinman. Credit Building or Credit Crumbling? A Credit Builder Loan’s Effects on Consumer Behavior, Credit Scores and Their Predictive Power. Cambridge, MA: National Bureau of Economic Research, July 2019. http://dx.doi.org/10.3386/w26110.

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Agarwal, Sumit, Souphala Chomsisengphet, Neale Mahoney, and Johannes Stroebel. Regulating Consumer Financial Products: Evidence from Credit Cards. Cambridge, MA: National Bureau of Economic Research, September 2013. http://dx.doi.org/10.3386/w19484.

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Gissler, Stefan, Rodney Ramcharan, and Edison Yu. The Effects of Competition in Consumer Credit Market. Cambridge, MA: National Bureau of Economic Research, August 2019. http://dx.doi.org/10.3386/w26183.

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Gathergood, John, Jӧrg Weber, and Richard Disney. Credit Counseling: A Substitute for Consumer Financial Literacy? IFS, November 2014. http://dx.doi.org/10.1920/wp.ifs.2014.1432.

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Herkenhoff, Kyle. The Impact of Consumer Credit Access on Unemployment. Cambridge, MA: National Bureau of Economic Research, October 2018. http://dx.doi.org/10.3386/w25187.

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Keys, Benjamin, and Jialan Wang. Minimum Payments and Debt Paydown in Consumer Credit Cards. Cambridge, MA: National Bureau of Economic Research, October 2016. http://dx.doi.org/10.3386/w22742.

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Argyle, Bronson, Taylor Nadauld, and Christopher Palmer. Real Effects of Search Frictions in Consumer Credit Markets. Cambridge, MA: National Bureau of Economic Research, January 2020. http://dx.doi.org/10.3386/w26645.

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Fleckenstein, Matthias, and Francis Longstaff. The Market Risk Premium for Unsecured Consumer Credit Risk. Cambridge, MA: National Bureau of Economic Research, October 2020. http://dx.doi.org/10.3386/w28029.

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