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Systemic usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - 2019
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Systemic … European Consumer Credit Directive 2008/48/EC. Systemic usury is a market failure. The most powerful explanations for such … failure in consumer credit markets are monopoly power, where the consumer is locked in a bilateral credit relationship …
Persistent link: https://www.econbiz.de/10012027590
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Systemic usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - 2019 - Revised version Dezember 2019
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012132614
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Systemic usury and the European consumer credit directive
Neuberger, Doris; Reifner, Udo - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 115-132
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012507235
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The role of demographics in small business loan pricing
Neuberger, Doris; Räthke-Döppner, Solvig - 2014
To sustain growth in an aging economy, it is important to ease the financing of small firms by bank loans. Using bank internal data of small business loans in Germany, we examine the determinants of loan rates in the period 1995-2010. Beyond characteristics of the firm, the loan contract, and...
Persistent link: https://www.econbiz.de/10010240075
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The role of demographics in small business loan pricing
Neuberger, Doris; Räthke-Döppner, Solvig - In: Small business economics : an entrepreneurship journal 44 (2015) 2, pp. 411-424
Persistent link: https://www.econbiz.de/10011334602
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Finanzierungs- und Governance-Strukturen im Wandel: Arbeitsteilung zwischen Banken und Private Equity Fonds
Neuberger, Doris - In: Vierteljahrshefte zur Wirtschaftsforschung 78 (2009) 1, pp. 143-155
Die Strukturen der Unternehmensfinanzierung und -kontrolle haben sich weltweit grundlegend verändert, gekennzeichnet durch neue Kapitalmarktinstrumente, verstärktes Auftreten von Nichtbank-Finanzintermediären sowie zunehmende Arbeitsteilung zwischen den Marktteilnehmern. Der vorliegende...
Persistent link: https://www.econbiz.de/10010377873
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Systemic usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - 2019
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012142922
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Systemic Usury and the European Consumer Credit Directive
Neuberger, Doris; Reifner, Udo - In: Vierteljahrshefte zur Wirtschaftsforschung 89 (2020) 1, pp. 115-132
Usury is a frequent occurrence in consumer credit markets and particularly affects low-income households. Although the … to a group which is statistically discriminated against leads to entrapment in a chain of usurious credit and financial … contracts. This paper reviews the economic rationale for usury legislation and evaluates the European Consumer Credit Directive …
Persistent link: https://www.econbiz.de/10012507905
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Finanzierungs- und Governance-Strukturen im Wandel : Arbeitsteilung zwischen Banken und Private Equity Fonds
Neuberger, Doris - In: Vierteljahrshefte zur Wirtschaftsforschung 78 (2009) 1, pp. 143-155
Die Strukturen der Unternehmensfinanzierung und -kontrolle haben sich weltweit grundlegend verändert, gekennzeichnet durch neue Kapitalmarktinstrumente, verstärktes Auftreten von Nichtbank-Finanzintermediären sowie zunehmende Arbeitsteilung zwischen den Marktteilnehmern. Der vorliegende...
Persistent link: https://www.econbiz.de/10010485384
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Microenterprises and Multiple Bank Relationships : The Case of Professionals
Neuberger, Doris - 2007
overcome credit rationing and finance larger loans. Credit risk and the structure of the banking market do not seem to matter …
Persistent link: https://www.econbiz.de/10012775996