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Transparency between banks and their customers. information needs and public intervention
Caratelli, Massimo - Volkswirtschaftliche Fakultät, … - 2005
Factors such as the spread of complex financial instruments, the broadening of available alternatives, have fostered more decisive public intervention in support of transparency between banks and their customers. The effectiveness of the public intervention measures depends on the actual...
Persistent link: https://www.econbiz.de/10009652925
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The Failure of Competition in the Credit Card Market in Turkey: The New Empirical Evidence
Aysan, Ahmet Faruk; Müslim, Nusret Ahmet - Volkswirtschaftliche Fakultät, … - 2006
credit card industry. Before any regulation decision taken, there needs to be better conceptualization and analysis of the …
Persistent link: https://www.econbiz.de/10005790112
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The Regulation of the Credit Card Market in Turkey
Aysan, Ahmet Faruk; Lerzan, Yildiz - Volkswirtschaftliche Fakultät, … - 2006
of these complaints coinciding with the accelerating suicide incidences due to credit card debts, regulation has been … bringing out temporary solutions. In 2005, a more comprehensive credit card law came into effect. With this regulation, Central … this paper; reasons, advantages, disadvantages of this regulation are discussed along with a quick glance on the …
Persistent link: https://www.econbiz.de/10005836558
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Non-price competition in credit card markets through bundling and bank level benefits
Akin, Guzin Gulsun; Aysan, Ahmet Faruk; Kara, Gazi Ishak; … - Volkswirtschaftliche Fakultät, … - 2008
The attempts to explain the high and sticky credit card rates have given rise to a vast literature on credit card markets. This paper endeavors to explain the rates in the Turkish market using measures of non-price competition. In this market, issuers compete monopolistically by differentiating...
Persistent link: https://www.econbiz.de/10008490521
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Policies to Promote Growth and Economic Efficiency in Mexico
Arias, Javier; Azuara, Oliver; Bernal, Pedro; Heckman, James - Volkswirtschaftliche Fakultät, … - 2010
regulation. We focus on two issues that should receive more attention in discussions of Mexican policy. (1) The family is under … stress in Mexico and this retards the growth of skills of workforce. (2) The informal sector is large, mostly due to the … heavy burden of monopoly and regulation. We find little evidence that the introduction of social protection programs for …
Persistent link: https://www.econbiz.de/10008596429
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Destapando la Caja Negra: Sociologías de los Créditos de Consumo en Chile
Ossandón, José - Volkswirtschaftliche Fakultät, … - 2012
There is no doubt; consumer credits are more and more present in the economic life of the Chileans. It is enough to go to any shopping mall, supermarket or even medical centre to realize that today it is possible to buy almost everything with some kind of loan. The expansion of consumer credit...
Persistent link: https://www.econbiz.de/10011258651
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Impact of financial education and transparency on borrowing decisions. the case of consumer credit
Caratelli, Massimo; Ornella, Ricci - Volkswirtschaftliche Fakultät, … - 2011
Existing studies are not conclusive in favor of a strong relationship between the financial literacy and the ability to take better borrowing decisions. Results are quite heterogeneous and often point out the relevance of other factors, such as socio-demographic features or practical experience...
Persistent link: https://www.econbiz.de/10009652948
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Demand for Self Control: A model of Consumer Response to Programs and Products that Moderate Consumption
Berg, Nathan; Kim, Jeong-Yoo - Volkswirtschaftliche Fakultät, … - 2010
Is it better to apply effort to increase personal consumption, or control what one wants? The model presented here provides a characterization of demand for self control, namely, its responsiveness to price and risk. Unlike most other models of self control, the model does not identify self...
Persistent link: https://www.econbiz.de/10008693565
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Consumption in developed and emerging economies.
Kadish, Peter - Volkswirtschaftliche Fakultät, … - 2010
In what follows various econometric technique is applied to determine the source of consumption growth with historical retrospective to equity and real estate markets as well comparative analysis of US consumer and Chinese consumer is presented.
Persistent link: https://www.econbiz.de/10008490091
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The growth of consumer credit in Asia
He, Dong; Yao, Effie; Li, Kim-hung - Volkswirtschaftliche Fakultät, … - 2005
Consumer credit has shown strong growth in emerging and newly industrialised Asian economies in recent years. While credit card lending has helped smooth consumer spending and improved the profitability of financial institutions, it also represents a new source of risk. Preventing financial and...
Persistent link: https://www.econbiz.de/10005616986