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Palgrave Macmillan

Consumer Credit Fundamentals

  • Book
  • © 2009

Overview

Authors:
  1. Steven Finlay
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Table of contents (9 chapters)

  1. Front Matter

    Pages i-xvi
    Download chapter PDF

  2. Introduction

    • Steven Finlay
    Pages 1-10

  3. Products and Providers

    • Steven Finlay
    Pages 11-32

  4. The History of Credit

    • Steven Finlay
    Pages 33-53

  5. Ethics in Lending

    • Steven Finlay
    Pages 54-77

  6. Legislation and Consumer Rights

    • Steven Finlay
    Pages 78-100

  7. The Economics of Credit and its Marketing

    • Steven Finlay
    Pages 101-137

  8. Credit Granting Decisions

    • Steven Finlay
    Pages 138-165

  9. Credit Reference Agencies

    • Steven Finlay
    Pages 166-190

  10. Credit Management

    • Steven Finlay
    Pages 191-220

  11. Back Matter

    Pages 221-252
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Keywords

About this book

Despite the huge expansion in consumer credit in the last 25 years there are very few texts describing the operation of consumer credit markets. Consumer Credit Fundamentals is the first book to provide a broad cross-disciplinary introduction to the subject. It covers the history of credit, the types of consumer credit available, how credit is granted and managed, the legal framework within which commercial lenders must operate, as well as consumer and ethical issues. A complete, well-rounded and practical introduction to consumer credit.

Reviews

'A comprehensive, well researched and well written text, covering a wide range of consumer credit topics. Highly recommended as an introduction to the subject'

- Simon Harben, Senior Vice President Global Analytics, Experian, UK

'This is a definitive guide to consumer credit history, ethics, law, economics, the operation of credit reference agencies, credit scoring: An interesting, informative and very readable book that I would recommend to anyone who wants gain an insight into the different facets of this important subject'

- Robert Fildes, Distinguished Professor, Lancaster University Centre for Forecasting, UK

'The second edition of this ground breaking book about consumer credit provides a huge breadth of interesting information about the role of credit and debt in modern society. Extremely informative, and an essential read for anyone looking for knowledge in this area - highly recommended'

Adrian Lingard, Jaywing, UK

'A fascinating and well written guide to the world of consumer credit. No other book provides so much information about this central pillar of our consumer orientated society'

- Nick Evans, Head of Risk and Analytics, Marks and Spencer Money, UK

'A must for senior managers in all consumer facing businesses. The practice and practicalities of consumer credit have a considerable influence on the way companies deal with their customers and this guide provides a complete overview of these, combined with an interesting history and social implications. Easily digested for such an involved subject'

- Graham Price, Head of Risk. JD Williams& Co. Ltd., UK

About the author

STEVEN FINLAY is an expert in consumer credit and credit risk management, with over fifteen years experience of working within the financial services industry and academia. During the course of his career he has worked on numerous projects in conjunction with almost every major credit granting institution in the UK. He is currently a research fellow at Lancaster University, UK.

Bibliographic Information

  • Book Title: Consumer Credit Fundamentals

  • Authors: Steven Finlay

  • DOI: https://doi.org/10.1057/9780230232792

  • Publisher: Palgrave Macmillan London

  • eBook Packages: Palgrave Economics & Finance Collection, Economics and Finance (R0)

  • Copyright Information: Steven Finlay 2009

  • Hardcover ISBN: 978-0-230-22015-7Published: 02 February 2009

  • Softcover ISBN: 978-1-349-30567-4Published: 02 February 2009

  • eBook ISBN: 978-0-230-23279-2Published: 02 February 2009

  • Edition Number: 2

  • Number of Pages: XVI, 252

  • Number of Illustrations: 3 b/w illustrations

  • Topics: Accounting/Auditing, Banking, Risk Management

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