Academic literature on the topic 'Consumer credit - Management'

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Journal articles on the topic "Consumer credit - Management"

1

Wang, Huibo. "Credit Risk Management of Consumer Finance Based on Big Data." Mobile Information Systems 2021 (July 22, 2021): 1–10. http://dx.doi.org/10.1155/2021/8189255.

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In recent years, China’s consumer finance has developed rapidly, but the foundation is unstable, and the industry has serious problems of violent competition, excessive credit, and fraud. Therefore, we should attach great importance to the healthy development of consumer finance, especially the management of its credit risk. The application of big data credit investigation can provide early warning of potential risks and prevent the risk of excessive credit investigation. This paper starts with the definition of basic core concepts, such as traditional credit investigation, big data credit inv
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2

Gao, Lu, and Jian Xiao. "Big Data Credit Report in Credit Risk Management of Consumer Finance." Wireless Communications and Mobile Computing 2021 (June 15, 2021): 1–7. http://dx.doi.org/10.1155/2021/4811086.

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Traditional consumer finance is a modern financial service method that provides consumer loans to consumers of all classes. With the gradual improvement of China’s credit reporting system, big data credit reporting has effectively made up for the lack of traditional credit reporting and has been widely used in the consumer finance industry. In this context, the in-depth analysis of the specific application of big data credit reporting in the credit risk management of consumer finance and the strengthening of the research on the application of big data credit reporting in the credit risk manage
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3

Calem, Paul, Julapa Jagtiani, and William W. Lang. "Regulating consumer credit." Journal of Economics and Business 84 (March 2016): 1–13. http://dx.doi.org/10.1016/j.jeconbus.2016.02.008.

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4

Roll, Stephen, and Stephanie Moulton. "CREDIT COUNSELING AND CONSUMER CREDIT TRAJECTORIES." Economic Inquiry 57, no. 4 (2019): 1981–96. http://dx.doi.org/10.1111/ecin.12802.

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5

Панова and T. Panova. "Determination of Credit Border – Basis of Credit Risk Management of Consumer Credit." Economics of the Firm 4, no. 3 (2015): 44–48. http://dx.doi.org/10.12737/17595.

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The article discusses the problem of determining the boundaries of credit and
 credit risk management. Defining the boundaries of reasonable use of credit
 and compliance is of great importance for the economy as a whole. Only with
 an optimal level of credit investments of credit impact on the economy can
 be positive.
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6

Phillips, Robert. "Optimizing prices for consumer credit." Journal of Revenue and Pricing Management 12, no. 4 (2013): 360–77. http://dx.doi.org/10.1057/rpm.2013.9.

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7

de Andrade, Fabio Wendling Muniz, and Lyn Thomas. "Structural models in consumer credit." European Journal of Operational Research 183, no. 3 (2007): 1569–81. http://dx.doi.org/10.1016/j.ejor.2006.07.049.

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8

Omede, P. I. "A Tale of Two Markets: How Lower-end Borrowers Are Punished for Bank Regulatory Failures in Nigeria." Journal of Consumer Policy 43, no. 3 (2019): 519–42. http://dx.doi.org/10.1007/s10603-019-09439-8.

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AbstractIn 2009, the Nigerian banking system witnessed a financial crisis caused by elite borrowers in the financial market. Regulatory response to the Nigerian crisis closely mirrored the international response with increased capital and liquidity thresholds for commercial banks. While the rise of consumer protection on the agenda of prudential supervisors internationally was logical in that consumer debt was the main cause of the global recession, the Nigerian banking reforms of 2009 disproportionately affected access by poorer consumers, who ironically had little to do with the underlying c
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9

Choma, Hlako, Thifulufhelwi Cedric Tshidada, and Tshegofatso Kgarabjang. "The impact of the credit legislation on consumers." Risk Governance and Control: Financial Markets and Institutions 6, no. 4 (2016): 503–9. http://dx.doi.org/10.22495/rgcv6i4siart8.

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The purpose of this paper is to examine two South Africa legislations dealing with over indebtedness of a consumer. It is clear that in terms of the South African law, section 129 (1) and 130 (3) of the National Credit Act provide that a creditor provider who wishes to enforce a debt under a credit agreement must first issue a section 129 (1) (a) notice to the consumer (the purpose of the notice is to notify the consumer of his/her arrears). On the other hand, the South African National Credit Act encourages the consumers to fulfil the financial obligations for which they are responsible. The
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10

Sorell, Tom. "Credit, Debt and Consumer Protection." Business Ethics: A European Review 2, no. 2 (1993): 77–81. http://dx.doi.org/10.1111/j.1467-8608.1993.tb00020.x.

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