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EB

EB

ONLINE

First edition

Prague : Charles University in Prague, Karolinum Press, [2015]

1 online zdroj (188 stran) : ilustrace

ISBN 978-80-246-3255-1 (online ; pdf)

ISBN 978-80-246-3236-0 (brožováno)

čeština

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Act No. 145/2010 Coll., on Consumer Credit and amending certain Acts

This book deals with consumer lending from both theoretical and empirical points of view. In the theoretical section, it book analyses the wider context of financial literacy, household indebtedness and the global consumer credit market including relevant legal, regulatory and risk management issues. In the empirical section, the book uses The Navigator of Responsible Lending as an evaluation tool to assess both bank and non-bank consumer credit providers in the Czech Republic. Although our empirical research is done as a case study on the Czech Republic, its basic ideas might be easily applied to other countries as well. Enclosures to the book include additional texts relevant to consumer lending (including case studies and an unofficial English translation of the Czech Consumer Credit Act) and therefore provide the reader with several perspectives on the topic..

001489702

List Of Figures 8 // List Of Tables 10 // List Of Abbreviations 11 // Foreword 12 // Theoretical Part 13 // 1. Theoretical Background: Definition // Of Responsible Borrowing And Lending 15 // 1.1 Definition Of Responsible Lending 17 // 1.2 Definition Of Responsible Borrowing 19 // 1.3 Definition Of Security 21 // 2. Theoretical Aspects Of Regulation And Supervision Over Consumer Credit Markets - A Case Study On The Czech Republic 23 // 2.1 General Framework 24 // 2.2 Regulated Part Of The Consumer Credit Market // In The Czech Republic —- 26 // 2.3 Unregulated Part Of The Consumer Credit Market // In The Czech Republic 34 // 3. Theoretical Aspects Of Consumer Credit Markets - A Case Study On The Czech Republic 39 // 3.1 Household Indebtedness In The Czech Republic And In The European Union... 39 // 3.2 Analysis Of Consumer Credit Products In The Czech Republic 51 // 3.3 Financial Literacy 65 // Empirical Part 71 // A. Methodology Of Construction Of The Navigator Of Responsible Lending 73 // 4.1 Navigator Construction 73 // 4.2 The Potential Lender (Supply Side) 74 // 4.3 Ex-Ante Credit Parameters (Product Design)... 80 // 4.4 Ex-Post Credit Parameters 85 // 4.5 Credit Applicants (Demand Side) 87 // 4.6 Outline Of The Calculation Of The Navigator Value 87 // 5. Results Of The Navigator For 2013 93 // 5.1 Results Of The Navigator For A Czk 30,000 Credit 93 // 5.2 Results Of The Navigator For A Czk 100,000 Credit - 97 // 5.3 Over-All Results Of The Navigator 2013 101 // 5.4 Comparing The Navigator Results In 2012 And 2013 103 // 6. Conclusion 105 // 7. References 107 // 8. Appendix 113 // 9. Enclosures 125 // 9.1 The Czech Credit Consumer Act (English Translation) 125 // 9.2 The Annual Percentage Rate Of Charge Calculation - A Case Study 162 // 9.3 An Alternative View On Indebtedness 165 // 9.4 Regulation Of The Czech Consumer Credit Market - A Regulator’s View 169 //

9.5 Regulation Of The Global Consumer Credit Market - A Regulator’s View 171 // 9.6 Financial Education - A Case Study 174 // 9.7 Responsible Lending In A Bank - A Case Study 177 // 9.8 Responsible Lending In A Nonbank Institution - A Case Study 180 // About Author 185 // Index 186

(OCoLC)946295078