Consumer credit has become a topical issue for researchers, regulators and the banking industry in Europe as a result of increasing market integration, regulatory changes and a growing tendency of households to use debt to finance consumption. This study uses a cross-country approach to look at...

Demand for consumer credit on the part of Italian households has risen sharply in recent years. According to the economic reference models for analysis of the choices made by households in terms of consumption, saving and indebtedness, the possibility of borrowing guarantees greater economic...