Personal Debt in Europe: The EU Financial Market and Consumer Insolvency

Federico Ferretti; Daniela Vandone

doi:10.1017/9781108615358

Personal debt remains an important factor in many economic models because it encourages people to use debt to finance consumption. Whether this model is sustainable for individuals or the countries in which they reside is an ongoing question of great complexity and many social and economic implications, not only for the burdened individuals and their countries, but also for the EU as a whole. In Personal Debt in Europe, Federico Ferretti and Daniela Vandone examine the 'dark side' of personal debt, or over-indebtedness, in social and economic terms, and legal terms. They employ cross-country consumer-level data to present the latest empirical studies on the problem, analyse these findings to better understand its nature and causes, and discuss the merits of proposed insolvency legislation and harmonisation initiatives in the EU.

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Personal Debt in Europe

The EU Financial Market and Consumer Insolvency

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Contents

Personal Debt in Europe
pp i-ii

Personal Debt in Europe - Title page
pp iii-iii

Copyright page
pp iv-iv

Contents
pp v-viii

1 - Introduction
pp 1-10

2 - Personal Debt in the Economy
pp 11-28

3 - The Industry of Personal Debt
pp 29-50

4 - From Indebtedness to Over-Indebtedness: Multidimensional Causes and Consequences
pp 51-86

5 - EU Policy and Law for the Prevention and Management of Over-Indebtedness
pp 87-106

6 - The Role and Function of Solvency Data and Financial Technologies (Fintech and Big Data)
pp 107-155

7 - Credit Risk Analysis and Creditworthiness in Relation to EU Data Protection Legislation
pp 156-179

8 - The Treatment of Over-Indebtedness
pp 180-213

9 - Conclusions and Scope for Further Research
pp 214-224

Bibliography
pp 225-244

Index
pp 245-248

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The EU Financial Market and Consumer Insolvency

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