Charging Ahead 2024 pdf epub mobi 电子书

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发表于2024-12-23

Charging Ahead 2024 pdf epub mobi 电子书

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出版者:Cambridge Univ Pr

作者:Mann, Ronald J.

出品人:

页数:310

译者:

出版时间:2007-7

价格:$ 41.80

装帧:Pap

isbn号码:9780521711487

丛书系列:

图书标签: 破产法消费者破产消费信贷塑胶卡片制度比较信用卡

Charging Ahead 2024 pdf epub mobi 电子书图书描述

This book was the first comprehensive treatment of credit cards in the global economy. The topic is timely not only because of the attention focused on cards as a contributor to the substantial rise in consumer borrowing, but also because of the role of cards in the recent retrenchment in the U.S. bankruptcy system. Relying on data from the US, the UK, Canada, Australia, and Japan, Charging Ahead includes the first careful statistical analysis of the relation between the rise of credit card use and broader macroeconomic phenomena like consumer borrowing, savings, and bankruptcy. It also provides a broad narrative of how credit cards have come to be used so differently around the world. Finally, it sets out a detailed and coherent program for regulatory intervention grounded in both empirical analysis and the existing theoretical literature.

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Mann教授将其自身多年来对消费信贷市场尤其是信用卡片市场的观察与研究数据进行了统计分析、总结与对比（其数据来源地美、英、澳、加、日五国占全球2/3卡片交易市场份额），同时也回顾了在这一领域较为重要的成果；据此提出了针对信贷过度的数项具体性政策性建议（包括限制发卡对象、推动Debit Card发展、取消红利或返利项目；强制执行最低还款额；针对贷款余额征税；坚持并落实债务人友好型破产法政策）。Mann教授认为现代消费信贷交易的特性及其工具特征所带来的信贷过度或负债过度问题，已经逐步抵消了电子及卡片交易所带来的利好（提高效率与成本节约），同时还产生了由社会承担的负外部性。其认为消费破产制度的核心功能在于（通过分配损失、提供动机）来削减这种外部性，而不应仅仅满足于分配或移转损失本身这一结果。

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