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A European Perspective on Consumer Loans and the Role of Credit Registries: the Need toReconcile Data Protection, Risk Management, Efficiency, Over-indebtedness, and a Better Prudential Supervision of the Financial System

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  • Federico Ferretti

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  • Federico Ferretti, 2010. "A European Perspective on Consumer Loans and the Role of Credit Registries: the Need toReconcile Data Protection, Risk Management, Efficiency, Over-indebtedness, and a Better Prudential Supervision of the Financial System," Journal of Consumer Policy, Springer, vol. 33(1), pages 1-27, March.
    • Handle: RePEc:kap:jcopol:v:33:y:2010:i:1:p:1-27
    DOI: 10.1007/s10603-009-9120-y
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    References listed on IDEAS

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    1. Tullio Jappelli & Marco Pagano, 2005. "Role and Effects of Credit Information Sharing," CSEF Working Papers 136, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    2. Tullio Jappelli & Marco Pagano, 2000. "Information Sharing in Credit Markets: The European Experience," CSEF Working Papers 35, Centre for Studies in Economics and Finance (CSEF), University of Naples, Italy.
    3. Berger, Allen N & Udell, Gregory F, 1995. "Relationship Lending and Lines of Credit in Small Firm Finance," The Journal of Business, University of Chicago Press, vol. 68(3), pages 351-381, July.
    4. Diamond, Douglas W, 1991. "Monitoring and Reputation: The Choice between Bank Loans and Directly Placed Debt," Journal of Political Economy, University of Chicago Press, vol. 99(4), pages 689-721, August.
    5. Giuseppe Bertola & Richard Disney & Charles Grant (ed.), 2006. "The Economics of Consumer Credit," MIT Press Books, The MIT Press, edition 1, volume 1, number 0262026015, December.
    6. Nicola Jentzsch, 2006. "The Economics and Regulation of Financial Privacy," Contributions to Economics, Springer, number 978-3-7908-1738-6, May.
    7. Stiglitz, Joseph E & Weiss, Andrew, 1981. "Credit Rationing in Markets with Imperfect Information," American Economic Review, American Economic Association, vol. 71(3), pages 393-410, June.
    8. Powell, Andrew & Mylenko, Nataliya & Miller, Margaret & Majnoni, Giovanni, 2004. "Improving credit information, bank regulation, and supervision : on the role and design of public credit registries," Policy Research Working Paper Series 3443, The World Bank.
    9. Malloy,Robin Paul, 2004. "Law in a Market Context," Cambridge Books, Cambridge University Press, number 9780521816243, August.
    10. Malloy,Robin Paul, 2004. "Law in a Market Context," Cambridge Books, Cambridge University Press, number 9780521016551, August.
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    Cited by:

    1. Onyeka Osuji, 2011. "Business-to-Consumer Harassment, Unfair Commercial Practices Directive and the UK—A Distorted Picture of Uniform Harmonization?," Journal of Consumer Policy, Springer, vol. 34(4), pages 437-453, December.

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