CONSUMER CREDIT DEBT AND BANKRUPTCYPDF电子书下载

Introduction&Johanna Niemi， lain Ramsay， William C Whitford 1

Ⅰ Changing Consumer Credit Markets 11

1. Inequality and Access to Financial Services&Gregory D Squires 11

2. The Political Economy of Consumer Credit Securitization： Comparing Predatory Lending in Home Finance in the US， UK， Germany and Japan&Christopher L Peterson 31

3. Consumer Overindebtedness in Brazil and the Need for New Consumer Bankruptcy Legislation&Claudia Lima-Marques and Antonio Benjamin 55

4. ‘Wannabe WAGS’ and ‘Credit Binges’： The Construction of Overindebtedness in the UK&lain Ramsay 75

Ⅱ Topics in Consumer Credit Regulation 91

5. Overindebted Households and Law： Prevention and Rehabilitation in Europe&Johanna Niemi 91

6. ‘A Call to Arms’—For Regulation of Consumer Lending&Udo Reifner 105

7. The Political Economy of the EC Consumer Credit Directive&Sefa M Franken 129

8. Disclosure as an Imperfect Means for Addressing Overindebtedness： An Empirical Assessment of Comparative Approaches&Susan Block-Lieb， Richard Wiener， Jason A Cantone and Michael Holtje 153

9. Prevention of Overindebtedness and Mechanisms for Resolving Overindebtedness of South African Consumers&Michelle Kelly-Louw 175

10. The Myth of the Cautious Consumer： Law， Culture， Economics and Politics in the Rise and Partial Fall of Unsecured Lending in Japan&Souichirou Kozuka and Luke Nottage 199

Ⅲ Consumer Overindebtedness and Insolvencies 225

11. Making Sense of Nation-Level Bankruptcy Filing Rates&Ronald J Mann 225

12. Overindebtedness and Financial Stress ： A Comparative Study in Europe&Catarina Frade and Claudia Abreu Lopes 249

13. Bankruptcy in Germany： Filing Rates and the People behind the Numbers&Wolfram Backert， Ditmar Brock， Gotz Lechner and Katja Maischatz 273

14. Elderly Consumer Weakness in ‘Withholding Credit’&Johannes Doll 289

15. Two Decades， Three Key Questions， and Evolving Answers in European Consumer Insolvency Law： Responsibility， Discretion， and Sacrifice&Jason Kilborn 307

Ⅳ Repayment Plans 331

16. A Law-in-Action Approach to Comparative Study of Repayment Forms of Consumer Bankruptcy&Jean Braucher 331

17. Debt Agreements Down Under&John Duns and Rosalind Mason 355

18. Personal Bankruptcy in Korea&Soogeun Oh 375

19. New Labour： More Debt—The Political Response&Michael Green 393

20. Debt Counselling in the Shadow of the Court： The Dutch Experience&Nadja Jungmann and Nick Huls 419