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Female firms and banks� lending behaviour: what happened during the great recession?
Cesaroni, Francesca Maria; Lotti, Francesca; Mistrulli, … - Banca d'Italia - 2013
During the financial crisis banks faced liquidity shocks, and lending slowed down. The reduction in credit availability was due to demand- and supply-side factors. The decrease in turnover and investment led to a contraction of financial needs; on the other hand, the tightening of credit supply...
Persistent link: https://www.econbiz.de/10011100374
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Overoptimism and Lender Liability in the Consumer Credit Market
Iossa, Elisabetta; Palumbo, Giuliana - Banca d'Italia - 2006
Credit purchases of consumer goods are commonly made upon terms governed by an agreement between the lender and the seller. This type of purchase is generally subject to a legal principle of joint responsibility under which the lender and the seller are jointly liable to the consumer for breach...
Persistent link: https://www.econbiz.de/10005609390
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Which households use consumer credit in Europe?
Magri, Silvia; Pico, Raffaella; Rampazzi, Cristiana - Banca d'Italia - 2011
-high income as lenders prefer to grant loans to less risky borrowers. Nonetheless, a not negligible portion of those using credit …
Persistent link: https://www.econbiz.de/10009193020
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Consumer credit during the crisis: evidence from contracts
Cristaudo, Pierpaolo; Magri, Silvia; Pico, Raffaella; … - Banca d'Italia - 2014
demand for personal and special-purpose loans and to contracts signed between 2007 and 2013 in Italy (55 and 37 million … loans, with the exception of contracts for small amounts (<1000 euro). These were more widespread among the youngest … towards loans for small amounts and contracts with low monthly installments (<100 euro). Moreover, the average amount of loans …
Persistent link: https://www.econbiz.de/10011100348