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Analysis of Factors Affecting Individuals’ Online Consumer Credit Behavior: Evidence From China [PDF]
Frontiers in Psychology, 2022 In the past two decades, a growing number of Chinese young adults utilize online consumer credit to satisfy their increasing consumption demand. Although it is indeed boosting consumer markets, it has also caused many serious social problems. A number of
Huiying Zhao, Huaxin Peng, Wanqi Li
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The COVID-19 shock and consumer credit: Evidence from credit card data. [PDF]
J Bank Financ, 2023 We study the dynamic effect of the COVID-19 shock on credit card use in 2020. Local case incidence had a strong negative effect on credit card spending in the early months of the pandemic, which diminished over time.
Horvath A, Kay B, Wix C.
europepmc +2 more sources
Heliyon, 2023 The growing economic uncertainty makes consumers realize the importance of financial preparedness and management ability. Based on the U.S. National Financial Capability Study dataset from 2009, 2012, 2015, and 2018, this study explores the nexus between
Fuzhong Chen, Di Yu, Zijun Sun
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Journal of Financial Economics, 2018 Abstract Powerful politicians can interfere with the enforcement of regulations. As such, expected political interference can affect constituents’ behavior. Using rotations of Senate committee chairs to identify variation in political power and expected regulatory relief, we study powerful politicians’ effect on consumer lending to communities ...
Pat Akey +2 more
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Consumer credit as a novel marker for economic burden and health after cancer in a diverse population of breast cancer survivors in the USA. [PDF]
J Cancer Surviv, 2018 BackgroundConsumer credit may reflect financial hardship that patients face due to cancer treatment, which in turn may impact ability to manage health after cancer; however, credit’s relationship to economic burden and health after cancer has not been ...
Dean LT +6 more
europepmc +2 more sources
What Determines University Students’ Online Consumer Credit? Evidence From China
SAGE Open, 2019 In recent years, online consumer credit in China has boomed. Many Chinese undergraduates are interested in utilizing online consumer credit to meet their increasing consumption needs.
Yu Hao +3 more
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Whither Consumer Credit Counseling [PDF]
SSRN Electronic Journal, 2005 For a half century, nonprofit credit counseling organizations have offered financial education and budget counseling sessions at nominal cost to borrowers. They also negotiate comprehensive repayment plans with a borrower's unsecured creditors. These repayment plans provide an alternative to bankruptcy that is valuable to many consumers.
Robert M. Hunt
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Managing Consumer Credit Risk [PDF]
SSRN Electronic Journal, 2001 On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session wasled by Jeffrey Bower, senior manager in KPMG Consulting's financial services practice.
Peter Burns, Anne Stanley
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Consumer Credit Counseling: Credit Card Issuers' Perspectives [PDF]
SSRN Electronic Journal, 2003 On Friday, May 23, 2003, the Payment Cards Center hosted a workshop led by collections managers from J.P. Morgan Chase and Juniper Bank. The managers provided the credit card issuers' perspective on the consumer credit counseling industry. The day's discussion complemented an earlier workshop at which representatives from local consumer credit ...
Mark Furletti
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Determinants of Debt: An Econometric Analysis Based on the Cyprus Survey of Consumer Finances [PDF]
Financial Theory and Practice, 2008 This work is based on the Cyprus Survey of Consumer Finances (CySCF) and focuses on the investigation of home secured loans and consumer credit card outstanding balances among Cypriot families.
Michalis Petrides, Alex Karagrigoriou
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