Skip to content
Register Sign in Wishlist

Personal Debt in Europe
The EU Financial Market and Consumer Insolvency

$88.00 ( ) USD

  • Date Published: April 2019
  • availability: This ISBN is for an eBook version which is distributed on our behalf by a third party.
  • format: Adobe eBook Reader
  • isbn: 9781108582100

$ 88.00 USD ( )
Adobe eBook Reader

You will be taken to ebooks.com for this purchase
Buy eBook Add to wishlist

Other available formats:
Hardback


Looking for an examination copy?

This title is not currently available for examination. However, if you are interested in the title for your course we can consider offering an examination copy. To register your interest please contact collegesales@cambridge.org providing details of the course you are teaching.

Description
Product filter button
Description
Contents
Resources
Courses
About the Authors
  • Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms, and legal terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU.

    • Analyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law
    • Examines the state and adequacy of EU policies and law in dealing with the large scale of over-indebted consumers and their insolvency
    • Provides a cross-country and time-series analysis of the personal debt market, the personal debt industry, and the characteristics of over-indebted consumers
    Read more

    Customer reviews

    Not yet reviewed

    Be the first to review

    Review was not posted due to profanity

    ×

    , create a review

    (If you're not , sign out)

    Please enter the right captcha value
    Please enter a star rating.
    Your review must be a minimum of 12 words.

    How do you rate this item?

    ×

    Product details

    • Date Published: April 2019
    • format: Adobe eBook Reader
    • isbn: 9781108582100
    • contains: 24 b/w illus. 6 tables
    • availability: This ISBN is for an eBook version which is distributed on our behalf by a third party.
  • Table of Contents

    1. Introduction
    2. Personal debt in the economy
    3. The industry of personal debt
    4. From indebtedness to over-indebtedness: multidimensional causes and consequences
    5. EU policy and law for the prevention and management of over-indebtedness
    6. The role and function of solvency data and financial technologies
    7. Credit risk analysis and creditworthiness in relation to EU data protection legislation
    8. The treatment of over-indebtedness: towards a harmonisation of personal insolvency law in a fragmented EU?
    9. Conclusions and scope for further research.

  • Authors

    Federico Ferretti, Università di Bologna
    Federico Ferretti is Associate Professor in Economic Law and Financial Markets, Department of Sociology and Economic Law, University of Bologna (Italy) and a member of the Financial Services User Group of the European Commission. He is a qualified lawyer of the High Courts of Italy.

    Daniela Vandone, University of Milan
    Daniela Vandone is Full Professor of Banking and Finance, Department of Economics, Management, and Quantitative Methods, University of Milan. Her research interests are in financial markets and institutions, with a focus in the microeconomics of banking, financial regulation, financial decision-making, household finance, personal debt, and over-indebtedness.

Sign In

Please sign in to access your account

Cancel

Not already registered? Create an account now. ×

Sorry, this resource is locked

Please register or sign in to request access. If you are having problems accessing these resources please email lecturers@cambridge.org

Register Sign in
Please note that this file is password protected. You will be asked to input your password on the next screen.

» Proceed

You are now leaving the Cambridge University Press website. Your eBook purchase and download will be completed by our partner www.ebooks.com. Please see the permission section of the www.ebooks.com catalogue page for details of the print & copy limits on our eBooks.

Continue ×

Continue ×

Continue ×

Find content that relates to you

Join us online

This site uses cookies to improve your experience. Read more Close

Are you sure you want to delete your account?

This cannot be undone.

Cancel

Thank you for your feedback which will help us improve our service.

If you requested a response, we will make sure to get back to you shortly.

×
Please fill in the required fields in your feedback submission.
×