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Journal articles on the topic 'Consumer credit - Management'

Author: Grafiati

Published: 4 June 2021

Last updated: 1 February 2022

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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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11

Ramsay, I., and T. Williams. "Peering Forward, 10 Years After: International Policy and Consumer Credit Regulation." Journal of Consumer Policy 43, no. 1 (2019): 209–26. http://dx.doi.org/10.1007/s10603-019-09436-x.

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AbstractA key change since the financial crisis of 2008 is the internationalization of interest in consumer finance. International institutions monitor household credit because of its impact on financial stability and market expansion. Macroprudential concerns drove this interest, resulting in a sea change in approaches to consumer credit regulation in many jurisdictions. This article critically analyses the emerging international policy paradigm, contrasting pre-and post-crisis regulatory approaches and highlighting continuing tensions about key policy choices. It then uses two recent sites o

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12

Leonard, Kevin J. "The development of credit scoring quality measures for consumer credit applications." International Journal of Quality & Reliability Management 12, no. 4 (1995): 79–85. http://dx.doi.org/10.1108/02656719510087346.

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13

Matos, Celso Augusto de, Valter Vieira, Katia Bonfanti, and Frederike Monika Budiner Mette. "Antecedents of indebtedness for low-income consumers: the mediating role of materialism." Journal of Consumer Marketing 36, no. 1 (2019): 92–101. http://dx.doi.org/10.1108/jcm-09-2017-2352.

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PurposeThe purpose of this is to propose a model in which materialism is a mediator of the effects of self-esteem, impulsiveness, attitude toward debt, attitude toward credit card and economic vulnerability on consumer indebtedness. The effects of financial knowledge, financial ability, credit card use and demographic variables are also taken into account.Design/methodology/approachSurvey data from a sample of 1,245 low-income consumers from Brazil were used to test the hypotheses using structural equation modeling.FindingsFirst, materialism has a significant effect on consumer indebtedness; a

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14

Du Toit, Michael, and Ricardo Machado. "The merit of credit: exploring the factors that make retail credit consumers loyal." Corporate Ownership and Control 11, no. 1 (2013): 703–12. http://dx.doi.org/10.22495/cocv11i1c8art1.

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Loyal consumers are often regarded as the ultimate goal of any retail business, with the definition of loyalty incorporating many aspects of consumer behaviour and attitudes, the most prominent of which is return purchase behaviour. Credit consumers tend to display consistent repurchase behaviour, thereby appearing loyal. The aim of the current study was to investigate credit consumers of a retail clothing store and to identify factors that influence their loyalty towards the store. In order to achieve this objective, a comparison was made between a sample of account holders (credit consumers)

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15

Ranyard, Rob, Lisa Hinkley, and Janis Williamson. "Risk Management in Consumers' Credit Decision Making." Zeitschrift für Sozialpsychologie 32, no. 3 (2001): 152–61. http://dx.doi.org/10.1024//0044-3514.32.3.152.

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Summary: A study is described of the risk management strategies employed by consumers who have made a purchase by credit. Realistic scenarios involving the purchase of consumer durables were used and adults with a variety of occupations and a range of experience of credit participated (N = 96). They were presented with minimal descriptions of alternative credit offers and an option to buy insurance to cover repayment difficulties due to job loss or illness. Participants could request any information required while deciding, and afterwards they summarized how they had reached their decision. Ve

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16

Morozko, Nat I., N. I. Morozko, and V. J. Didenko. "Risk Minimization in Consumer Credit Cooperative Activities." Economics, taxes & law 12, no. 4 (2019): 60–67. http://dx.doi.org/10.26794/1999-849x-2019-12-4-60-67.

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The subject of the research is risks in consumer credit cooperative activities in the context of economic instability. The purpose of the article is developing methods of risk minimization in terms of the authors’ approach to cooperative risks classification. The importance of the research lies in the fact that risks are an integral part of the consumer credit cooperative process of functioning; therefore there is a necessity of appropriate risk assessment that will enable businesses to mitigate possible losses. Consumer credit cooperatives have some distinctive features in comparison with oth

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17

Ghazali, Aidit bin Haji. "Consumer credit from the Islamic viewpoint." Journal of Consumer Policy 17, no. 4 (1994): 443–57. http://dx.doi.org/10.1007/bf01022913.

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18

Courchane, Marsha, Adam Gailey, and Peter Zorn. "Consumer credit literacy: What price perception?" Journal of Economics and Business 60, no. 1-2 (2008): 125–38. http://dx.doi.org/10.1016/j.jeconbus.2007.08.003.

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19

Jung, Allen F. "Interest Rate Variations For Automobile Loans In Large Cities." Journal of Applied Business Research (JABR) 2, no. 4 (2011): 113. http://dx.doi.org/10.19030/jabr.v2i4.6564.

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his study presents empirical data on finance charges for automobile loans in 10 large cities. The data were gathered from automobile dealers, commercial banks, credit unions, and savings and loan associations by personally shopping for a new car loan. In addition to institution and city comparisons some information is provided on consumer credit pricing policies. Consumer installment credit receives a great deal of attention from the Federal Reserve System and it plays an important role in the Consumer Price Index. The literature contains considerable material about the volume of consumer cred

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20

NIZAR, NURHUDA, and Zulkefly Abdul Karim. "The Relationship Between Household Credit and Banking Stability in Malaysia: Panel Evidence." Gadjah Mada International Journal of Business 23, no. 2 (2021): 155. http://dx.doi.org/10.22146/gamaijb.64451.

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This study investigates the relationship between household credit and banking stability in Malaysia using a sample of 37 commercial banks spanning the period from 2008 to 2015. In analyzing household credit’s influence on the Malaysian banking sector’s stability, household credit was categorized into two components, namely mortgage and consumer credit. The Banking Stability Index (BSI) for each bank is constructed using 15 bank-specific variables and some macro-economic variables. The determinants of the BSI are estimated using a static panel data technique. The fixed-effects regression result

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21

Razov, P. V., and S. E. Shtepa. "Social Risks of Consumer Credit Students." Humanities and Social Sciences. Bulletin of the Financial University 9, no. 4 (2019): 106–10. http://dx.doi.org/10.26794/2226-7867-2019-9-4-106-110.

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The financial and economic sphere is very rich in all sorts of social risks since money in modern realities is one of the essential benefits for healthy existence. In this regard, significant scientific and practical importance is the study of the process of management of social risks of consumer lending to students, as well as influencing factors. The study of these issues will help to assist in minimising the risks of consumer lending, as well as to develop a strategy for introducing changes in the process of informing and issuing loans to students. The article presents the results of the au

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22

Choma, Hlako, and Tshegofatso Kgarabjang. "A critical analysis of debtor’s right to reinstate a credit agreement & resume possession of property." Risk Governance and Control: Financial Markets and Institutions 8, no. 1 (2018): 59–68. http://dx.doi.org/10.22495/rgcv8i1art6.

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In terms of section 129(3)(a) of the South African National Credit Act 34 of 2005 a consumer may reinstate a credit agreement that is in default by paying all the money that is overdue together with default charges incurred by the credit provider and also the costs of enforcing the agreement until the agreement is reinstated. A consumer should pay costs of reinstating agreement if the credit provider has not yet cancelled the agreement. A consumer who paid the required costs will also resume possession of goods that were repossessed by the credit provider pursuant to attachment order. However

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23

Malik, M., and L. C. Thomas. "Modelling credit risk of portfolio of consumer loans." Journal of the Operational Research Society 61, no. 3 (2010): 411–20. http://dx.doi.org/10.1057/jors.2009.123.

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24

Wang, Deshen, Bintong Chen, and Jing Chen. "Credit card fraud detection strategies with consumer incentives." Omega 88 (October 2019): 179–95. http://dx.doi.org/10.1016/j.omega.2018.07.001.

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25

Howcroft, Barry. "Competitive Features in the Provision of Consumer Credit." Service Industries Journal 5, no. 2 (1985): 153–68. http://dx.doi.org/10.1080/02642068500000023.

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26

De Almeida Filho, Adiel T., Christophe Mues, and Lyn C. Thomas. "Optimizing the Collections Process in Consumer Credit." Production and Operations Management 19, no. 6 (2010): 698–708. http://dx.doi.org/10.1111/j.1937-5956.2010.01152.x.

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27

Naicker, Bathmanathan Vasie, and Md Humayun Kabir. "Implementation of South African national credit act and its impact on home loans market: The case of First National Bank." Risk Governance and Control: Financial Markets and Institutions 3, no. 2 (2013): 18–29. http://dx.doi.org/10.22495/rgcv3i2art1.

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Since it has been observed that credit granting is a serious problem across the entire credit market, South Africa introduced National Credit Act 34 of 2005 in order to regulate the credit industry and protect credit consumers from becoming over-indebted. The study highlights and examines the implementation of the Act in relation to the South African home loans market, focussing on First National Bank home loans portfolio. The study documents that the current state of consumer indebtedness shows that both credit institutions and consumers were responsible for over extending retail credit. The

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28

Pan, Yong Ming, and Man Liu. "Management of Individual Consumption Credit Risk Based on Financial Ecology." Advanced Materials Research 926-930 (May 2014): 3846–49. http://dx.doi.org/10.4028/www.scientific.net/amr.926-930.3846.

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Developing the individual consumption credit business is beneficial to the expanding domestic consumption demand, and the growing of economic. At present, there exist many limitations in the development of consumer credit business in China's commercial Banks, and risk is gradually revealed. Based on the concept of financial ecology, this paper analyzed the necessity of construction of financial ecology system to individual consumption credit risk management. Considering that financial ecology and individual consumption credit risk management has the function of mutual promotion.

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29

Wong, King-Yin, and Michael Lynn. "The easy-money effect: credit card spending and hard-work reminders." Journal of Consumer Marketing 34, no. 7 (2017): 541–51. http://dx.doi.org/10.1108/jcm-07-2016-1868.

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Purpose This research paper aims to examine the proposed easy-money effect of credit cards, which stimulates consumers to overspend. This paper shows how such an easy-money effect can be weakened. Design/methodology/approach In Study 1, an implicit association test was conducted with a sample of 169 participants to test the proposed credit card easy-money effect. In Study 2, experimental data were collected online from 365 participants to test the effectiveness of a hard-work reminder in weakening credit cards’ easy-money effect on consumer spending. Findings The proposed credit card easy-mone

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30

Triani, Ni Nyoman Alit. "Penerapan Strategi It E-Commerce Sebagai Peningkatan Persaingan Bisnis Perusahaan." AKRUAL: Jurnal Akuntansi 3, no. 2 (2012): 209. http://dx.doi.org/10.26740/jaj.v3n2.p209-224.

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AbstractThe use of technology e-commerce it on general motors brazilian company can improve revenuenya, company got new consumer, consumers interesting to keep afloat, public service quality and serving consumers indefinitely. By doing payment system three party payment system will be safer than with credit cards. By applying customer relationship management ( crm ) concepts the integration company with customers.

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31

Johan, Suwinto, and Calista Endrina Dewi. "Credit Limit of Unsecured Consumer Lending: Evidence from Micro Data." Economics and Finance in Indonesia 67, no. 1 (2021): 51. http://dx.doi.org/10.47291/efi.v67i1.697.

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As credit card debts have increased in Indonesia over the past ten years, concerns over the impulsive buying behavior of Indonesian credit card holders have emerged. Therefore, more attention must be paid to credit risk management of banks as it plays an important role in analyzing the possibility of losses due to the inability of prospective borrowers to repay debts. This study provides empirical evidence about the prudence of commercial banks in Greater Jakarta in offering credit card limits. Using primary micro-data collected from credit card applications submitted to the largest foreign pr

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32

de Andrade, Fabio Wendling Muniz, and Abraham Laredo Sicsú. "A Credit Risk Model for Consumer Loan Portfolios." Latin American Business Review 8, no. 3 (2008): 75–91. http://dx.doi.org/10.1080/10978520802035430.

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33

Crook, Jonathan, and John Banasik. "Forecasting and explaining aggregate consumer credit delinquency behaviour." International Journal of Forecasting 28, no. 1 (2012): 145–60. http://dx.doi.org/10.1016/j.ijforecast.2010.12.002.

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34

Hare, Zoe. "Who should regulate consumer credit advertising and sales?" Journal of Direct, Data and Digital Marketing Practice 11, no. 2 (2009): 151–55. http://dx.doi.org/10.1057/dddmp.2009.25.

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35

Kim, Jasper. "Risky Business: Legal and Economic Perspectives on South Korea's Individual Debtor Rehabilitation Acts." International Studies Review 7, no. 2 (2006): 61–76. http://dx.doi.org/10.1163/2667078x-00702004.

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Two years following the 1997-98 Korean financial crisis, the Korean government attempted to bolster consumer spending and re-invigorate the national economy by pursuing a series of policies that directly promoted the use of consumer credit cards. Subsequently, consumer credit card spiked upward, which led to a dramatic surge in individual debtor defaults. The government in response mode again thereafter initiated a three-pronged legislative effort to counter the post-1997 individual debtor polemic: (i) the Individual Debtor Rehabilitation Act (“IDRA” or the “Act”); (ii)) the Korea Asset Manage

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36

Eng, Pierre Van Der. "Consumer credit in Australia during the twentieth century." Accounting, Business & Financial History 18, no. 2 (2008): 243–65. http://dx.doi.org/10.1080/09585200802058917.

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37

K. Saini, Gordhan, and Arvind Sahay. "Comparing retail formats in an emerging market." Journal of Indian Business Research 6, no. 1 (2014): 48–69. http://dx.doi.org/10.1108/jibr-03-2013-0026.

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Purpose – This study aims to examine the importance of credit and low price guarantee (LPG) on consumer purchase intention across types of retail store formats in an emerging market context. Design/methodology/approach – A 2 (kirana/modern retail)×2 (high/low LPG)×2 (credit/no credit) experimental design was used for this study. A sample of 200 respondents was asked about their purchase intention for a newly introduced hypothetical toothpaste brand and six hypotheses were tested. Findings – Findings show that credit and level of LPG determine consumer's purchase intention across store formats.

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38

Pesic, Valerio, Fabrizio Santoboni, and Paolo Zenobi. "The availability of consumer credit during financial crises." International Journal of Risk Assessment and Management 19, no. 1/2 (2016): 22. http://dx.doi.org/10.1504/ijram.2016.074434.

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39

Hyman, L. "Debtor Nation: How Consumer Credit Built Postwar America." Enterprise and Society 9, no. 4 (2008): 614–18. http://dx.doi.org/10.1093/es/khn083.

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40

Handrinos, M. C., K. Nikolopoulos, and Binshan Lin. "Consumer access to credit: the case of the UK." International Journal of Management and Enterprise Development 4, no. 1 (2007): 18. http://dx.doi.org/10.1504/ijmed.2007.011453.

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41

Schraten, Jürgen. "The Political Management of Consumer Credit Collateral in the Banking Industry." Politikon 47, no. 1 (2020): 24–41. http://dx.doi.org/10.1080/02589346.2020.1712832.

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42

Watkins, John P. "Corporate Power and the Evolution of Consumer Credit." Journal of Economic Issues 34, no. 4 (2000): 909–32. http://dx.doi.org/10.1080/00213624.2000.11506321.

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43

Wilson, Therese, Nicola Howell, and Genevieve Sheehan. "Protecting the Most Vulnerable in Consumer Credit Transactions." Journal of Consumer Policy 32, no. 2 (2009): 117–40. http://dx.doi.org/10.1007/s10603-009-9098-5.

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44

Agarwal, Sumit, Wenlan Qian, Amit Seru, and Jian Zhang. "Disguised corruption: Evidence from consumer credit in China." Journal of Financial Economics 137, no. 2 (2020): 430–50. http://dx.doi.org/10.1016/j.jfineco.2020.03.002.

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45

Zhu, H., P. A. Beling, and G. A. Overstreet. "A study in the combination of two consumer credit scores." Journal of the Operational Research Society 52, no. 9 (2001): 974–80. http://dx.doi.org/10.1057/palgrave.jors.2601225.

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46

Thomas, L. C., R. W. Oliver, and D. J. Hand. "A survey of the issues in consumer credit modelling research." Journal of the Operational Research Society 56, no. 9 (2005): 1006–15. http://dx.doi.org/10.1057/palgrave.jors.2602018.

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47

Park, Sangkyun. "Consumer rationality and credit card pricing: An explanation based on the option value of credit lines." Managerial and Decision Economics 25, no. 5 (2004): 243–54. http://dx.doi.org/10.1002/mde.1146.

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48

Hou, Jun, Qianmu Li, Yaozong Liu, and Sainan Zhang. "An Enhanced Cascading Model for E-Commerce Consumer Credit Default Prediction." Journal of Organizational and End User Computing 33, no. 6 (2021): 1–18. http://dx.doi.org/10.4018/joeuc.20211101.oa13.

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As an important global policy guide to promote economic transformation and upgrading, the upsurge of E-Commerce has been continuously upgraded with continuous breakthroughs in information technology. In recent years, China’s e-commerce consumer credit has developed well, but due to its short time of production and insufficient experience for reference, credit risk, fraud risk, and regulatory risk continue to emerge. Aiming at the problem of E-Commerce Consumer Credit default analysis, this paper proposes a Fusion Enhanced Cascade Model (FECM). This model learns feature data of credit data by f

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Ganesh, Gopala K., and Erramilli M. Krishna. "Customer Preference For Alternative Credit Card Based Payment Methods: Some Empirical Evidence." Journal of Applied Business Research (JABR) 3, no. 3 (2011): 137. http://dx.doi.org/10.19030/jabr.v3i3.6524.

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This article looks at consumer preferences for two major types of credit cards viz: (1) national credit cards i.e. bank credit cards and travel and entertainment cards that are typically accepted at a wide variety of establishments and (2) store credit cards whose acceptance is typically limited to stores that constitute a department store chain. Through a mail survey, an attempt is made to identify the reasons for card preferences and distinguishing background characteristics of individuals with a distinct preference.

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50

李, 琪. "Analysis of “Moonlight Clan” Phenomenon under Consumer Credit." Advances in Social Sciences 10, no. 01 (2021): 173–77. http://dx.doi.org/10.12677/ass.2021.101028.

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