A Policy Framework for Addressing Over-Indebtedness
Author:
Publisher: Combat Poverty Agency
Published:
Total Pages: 45
ISBN-13: 1905485816
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Macroprudential Policy - An Organizing Framework - Background Paper
Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
Published: 2011-03-14
Total Pages: 33
ISBN-13: 1498339174
DOWNLOAD EBOOKMCM conducted a survey in December 2010 to take stock of international experiences with financial stability and the evolving macroprudential policy framework. The survey was designed to seek information in three broad areas: the institutional setup for macroprudential policy, the analytical approach to systemic risk monitoring, and the macroprudential policy toolkit. The survey was sent to 63 countries and the European Central Bank (ECB), including all countries in the G-20 and those subject to mandatory Financial Sector Assessment Programs (FSAPs). The target list is designed to cover a broad range of jurisdictions in all regions, but more weight is given to economies that are systemically important (see Annex for details). The response rate is 80 percent. This note provides a summary of the survey’s main findings.
Indebted Societies
Author: Andreas Wiedemann
Publisher: Cambridge University Press
Published: 2021-07-08
Total Pages: 345
ISBN-13: 1108983715
DOWNLOAD EBOOKIn many rich democracies, access to financial markets is now a prerequisite for fully participating in labor and housing markets and pursuing educational opportunities. Indebted Societies introduces a new social policy theory of everyday borrowing to examine how the rise of credit as a private alternative to the welfare state creates a new kind of social and economic citizenship. Andreas Wiedemann provides a rich study of income volatility and rising household indebtedness across OECD countries. Weaker social policies and a flexible knowledge economy have increased costs for housing, education, and raising a family - forcing many people into debt. By highlighting how credit markets interact with welfare states, the book helps explain why similar groups of people are more indebted in some countries than others. Moreover, it addresses the fundamental question of whether individuals, states, or markets should be responsible for addressing socio-economic risks and providing social opportunities.
Consumer Debt and Social Exclusion in Europe
Author: Hans-W. Micklitz
Publisher: Routledge
Published: 2016-03-09
Total Pages: 310
ISBN-13: 1317161254
DOWNLOAD EBOOKThis book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion.
Personal Debt in Europe
Author: Federico Ferretti
Publisher: Cambridge University Press
Published: 2019-04-25
Total Pages: 257
ISBN-13: 1108426735
DOWNLOAD EBOOKAnalyses personal debt and the over-indebtedness of consumers in the European Union from the multi-disciplinary perspectives of economics, policy, and law.
Vietnam
Author: International Monetary Fund. Asia and Pacific Dept
Publisher: International Monetary Fund
Published: 2021-03-01
Total Pages: 95
ISBN-13: 151357048X
DOWNLOAD EBOOKSuccessful containment of COVID-19 and strong policy support have helped contain the health and economic fallout, and a strong recovery is underway. Growth in 2020 reached 2.9 percent, among the highest in the world. However, labor market conditions remain weak. Corporate balance sheets have worsened, potentially hampering private investment and job prospects. Banks entered the crisis in a stronger position than in previous years, but weaknesses remain. Vietnam’s economy remains heavily reliant on external trade and is vulnerable to trade tensions.
Banking Committee Provisions of the Trade Bill
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on International Finance, Trade, and Monetary Policy
Publisher:
Published: 1987
Total Pages: 488
ISBN-13:
DOWNLOAD EBOOKPolicy Framework for Investment in Agriculture
Author: OECD
Publisher: OECD Publishing
Published: 2014-07-03
Total Pages: 79
ISBN-13: 9264212728
DOWNLOAD EBOOKBy proposing questions in ten policy areas, the Policy Framework for Investment in Agriculture supports host countries in evaluating and designing policies to mobilise private investment in agriculture.
Spain
Author: International Monetary Fund. Monetary and Capital Markets Department
Publisher: International Monetary Fund
Published: 2024-08
Total Pages: 54
ISBN-13:
DOWNLOAD EBOOKThe macroprudential policy framework in Spain has been significantly reinforced in recent years. A new macroprudential authority, Macroprudential Authority Financial Stability Council, (AMCESFI), has been established in Spain, to provide high level oversight and to strengthen internal coordination on the identification, prevention, and mitigation of systemic risks in the financial system. Techniques and approaches for systemic risk identification have been further enhanced. And gaps in the macroprudential policy toolkit identified by the previous FSAP have been closed, although to date the new tools have not been applied given the assessment of risks. The framework incorporates many areas of strength by international standards, such as the techniques for systemic risk identification and the breadth of permissible macroprudential tools.
International Responses to Issues of Credit and Over-indebtedness in the Wake of Crisis
Author: Therese Wilson
Publisher: Routledge
Published: 2016-04-22
Total Pages: 273
ISBN-13: 1317113748
DOWNLOAD EBOOKThis book explores the political, economic and regulatory context in which credit regulation is taking place following the global financial crisis. It suggests that current neoliberal economic policies favour multi-national corporations rather than consumers and examines regulatory responses to the internationalization of consumer finance protection. Detailing how EU consumers have been affected by national economic conditions, the book also analyses the lending regimes of Europe, Australia, the US and South Africa and offers suggestions for responsible lending to avoid over-indebtedness and corrupt mortgage-lending. Finally, new approaches and directions for consumer credit regulations are outlined, such as protection for small businesses, protection against risky credit products, reorganization of mortgage securitization and the possibility of a partnership model to address financial exclusion. The book includes contributions from leading names in the field of consumer law and will be invaluable to those interested in banking, business and commercial law.
