Personal Debt in Europe

The EU Financial Market and Consumer Insolvency

Nonfiction, Reference & Language, Law, Business, International
Cover of the book Personal Debt in Europe by Federico Ferretti, Daniela Vandone, Cambridge University Press
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Author: Federico Ferretti, Daniela Vandone ISBN: 9781108567374
Publisher: Cambridge University Press Publication: April 30, 2019
Imprint: Cambridge University Press Language: English
Author: Federico Ferretti, Daniela Vandone
ISBN: 9781108567374
Publisher: Cambridge University Press
Publication: April 30, 2019
Imprint: Cambridge University Press
Language: English

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. 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 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. 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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