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Household credit usagepersonal debt and mortgages /

Record Type:	Electronic resources : Monograph/item
Title/Author:	Household credit usageedited by Sumit Agarwal and Brent W. Ambrose ; foreword by John Y. Campbell.
Reminder of title:	personal debt and mortgages /
other author:	Ambrose, Brent W.
Published:	New York :Palgrave Macmillan,2007.
Description:	xiv, 290 p. :ill.
Subject:	Consumer credit.
Online resource:	access to fulltext (Palgrave)
ISBN:	9780230608917

Household credit usagepersonal debt and mortgages /
Household credit usagepersonal debt and mortgages /[electronic resource] :edited by Sumit Agarwal and Brent W. Ambrose ; foreword by John Y. Campbell. - 1st ed. - New York :Palgrave Macmillan,2007. - xiv, 290 p. :ill.

Includes bibliographical references and indexes.

Household finance and the financial decision-making process / Sumit Agarwal and Brent W. Ambrose -- Recent developments in the credit card market and the financial obligations ratio / Kathleen W. Johnson -- Whither consumer credit counseling / Robert M. Hunt -- Consumption, debt, and portfolio choice : testing the effects of bankruptcy law / Andreas Lehnert and Dean Maki -- Collateral and sorting : an empirical investigation of the market for HELOCs / Shubhasis Dey and Lucia Dunn -- Asymmetric information and the automobile loan market / Sumit Agarwal, Brent W. Ambrose, and Souphala Chomsisengphet -- Introductory credit card offers and balance switching behavior of cardholders / TufanEkici, Lucia Dunn, and Tae Hyung Kim -- An exploration of usage of personal credit cards by small businesses / Grace Kim -- Debit cards : the new, old way to pay / Marc Anthony Fusaro -- Linkages between consumer payments and credit / Sujit Chakravorti -- Payday lending : evolution, issues, and evidence / Katherine A. Samolyk -- Do renters miss the boat? Homeownership, renting, and wealth accumulation / C. Tsuriel Somerville ... [et al.] -- Choosing between fixed- and adjustable-rate mortgages /Monica Paiella and Alberto Franco Pozzolo -- Interest rates in the sub-prime mortgage market / Souphala Chomsisengphet and Anthony Pennington-Cross -- Default and prepayment risk in residential mortgage loans : a review and synthesis / Michael LaCour-Little -- Statistical analysis and modeling forfair lending and compliance : the OCC's perspective / Mark Pocock, Irene Fang, and Jason Dietrich.

The field of household finance seeks to understand how households use financial instruments. Financial economists have long studied how corporations utilize financial instruments, yet relatively little is understood about how individual consumers and households utilize various credit alternatives in managing their consumption and savings objectives. However, with the increasing interest in issues surrounding behavioral finance, research into household financial decision making processes isbecoming increasingly important. In response to the growing interest in household finance, this book contains a collection of essays by leading researchers studying issues involving household and consumer use of credit instruments. This collection, featuring a foreword by John Y. Campbell, will provide readers with a greater understanding of what is currently known about household credit utilization and suggest possible areas for future research.

Electronic reproduction.
Basingstoke, England :
Palgrave Macmillan,
2009.

Mode of access:World Wide Web.

ISBN: 9780230608917

Standard No.: 10.1057/9780230608917doiSubjects--Topical Terms:

298598
Consumer credit.
Index Terms--Genre/Form:

214472
Electronic books.

LC Class. No.: HG3755 / .H68 2007eb

Dewey Class. No.: 332.7/43

Household credit usagepersonal debt and mortgages /
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245 0 0 $a Household credit usage $h [electronic resource] : $b personal debt and mortgages / $c edited by Sumit Agarwal and Brent W. Ambrose ; foreword by John Y. Campbell.
250 $a 1st ed.
260 $a New York : $b Palgrave Macmillan, $c 2007.
300 $a xiv, 290 p. : $b ill.
504 $a Includes bibliographical references and indexes.
505 0 $a Household finance and the financial decision-making process / Sumit Agarwal and Brent W. Ambrose -- Recent developments in the credit card market and the financial obligations ratio / Kathleen W. Johnson -- Whither consumer credit counseling / Robert M. Hunt -- Consumption, debt, and portfolio choice : testing the effects of bankruptcy law / Andreas Lehnert and Dean Maki -- Collateral and sorting : an empirical investigation of the market for HELOCs / Shubhasis Dey and Lucia Dunn -- Asymmetric information and the automobile loan market / Sumit Agarwal, Brent W. Ambrose, and Souphala Chomsisengphet -- Introductory credit card offers and balance switching behavior of cardholders / TufanEkici, Lucia Dunn, and Tae Hyung Kim -- An exploration of usage of personal credit cards by small businesses / Grace Kim -- Debit cards : the new, old way to pay / Marc Anthony Fusaro -- Linkages between consumer payments and credit / Sujit Chakravorti -- Payday lending : evolution, issues, and evidence / Katherine A. Samolyk -- Do renters miss the boat? Homeownership, renting, and wealth accumulation / C. Tsuriel Somerville ... [et al.] -- Choosing between fixed- and adjustable-rate mortgages /Monica Paiella and Alberto Franco Pozzolo -- Interest rates in the sub-prime mortgage market / Souphala Chomsisengphet and Anthony Pennington-Cross -- Default and prepayment risk in residential mortgage loans : a review and synthesis / Michael LaCour-Little -- Statistical analysis and modeling forfair lending and compliance : the OCC's perspective / Mark Pocock, Irene Fang, and Jason Dietrich.
520 $a The field of household finance seeks to understand how households use financial instruments. Financial economists have long studied how corporations utilize financial instruments, yet relatively little is understood about how individual consumers and households utilize various credit alternatives in managing their consumption and savings objectives. However, with the increasing interest in issues surrounding behavioral finance, research into household financial decision making processes isbecoming increasingly important. In response to the growing interest in household finance, this book contains a collection of essays by leading researchers studying issues involving household and consumer use of credit instruments. This collection, featuring a foreword by John Y. Campbell, will provide readers with a greater understanding of what is currently known about household credit utilization and suggest possible areas for future research.
533 $a Electronic reproduction. $b Basingstoke, England : $c Palgrave Macmillan, $d 2009. $n Mode of access:World Wide Web. $n System requirements: Web browser. $n Title from title screen (viewed on Mar. 3, 2009). $n Access may berestricted to users at subscribing institutions.
650 0 $a Consumer credit. $3 298598
650 0 $a Finance, Personal. $3 207826
655 7 $a Electronic books. $2 local. $3 214472
700 1 $a Ambrose, Brent W. $q (Brent William), $d 1964- $3 475268
700 1 $a Agarwal, Sumit. $3 475267
710 2 $a Palgrave Connect (Online service) $3 459825
776 1 $c Original $z 9781403983923 $z 1403983925 $w (DLC) 2007007637 $w (OCoLC)85623194
856 4 0 $3 Palgrave Connect $u https://link.springer.com/book/10.1057/9780230608917 $z access to fulltext (Palgrave)