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Consumer credit, an opportunity for economic recovery and for households’ chances

Author

Listed:
  • Stefano Cosma

    (Università di Modena e Reggio Emilia)

  • Umberto Filotto

    (Università di Roma Tor Vergata)

Abstract

Consumer credit is an opportunity if used to finance projects aimed to improve individual and households' well-being, but it is also bears a clear responsibility and has to be carefully considered in order to avoid over-indebtedness. It is also a key factor for economic recovery but it is necessary to improve consumer education and awareness on credit and finance, disclosure and access to clear information and to avoid excessive regulation

Suggested Citation

  • Stefano Cosma & Umberto Filotto, 2014. "Consumer credit, an opportunity for economic recovery and for households’ chances," BANCARIA, Bancaria Editrice, vol. 10, pages 2-14, October.
    • Handle: RePEc:ban:bancar:v:10:y:2014:m:october:p:2-14
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    File URL: http://www.bancaria.it/en/consumer-credit-an-opportunity-for-economic-recovery-and-for-households-chances
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    More about this item

    JEL classification:

    • D12 - Microeconomics - - Household Behavior - - - Consumer Economics: Empirical Analysis
    • D14 - Microeconomics - - Household Behavior - - - Household Saving; Personal Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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