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The Determinants of Consumer Credit: A Review of the Literature

In: Consumer Credit in Europe

Author

Listed:
  • Daniela Vandone

    (Department of Economics, Business and Statistics)

Abstract

The literature of consumer credit is sizeable. Such a body of work reflects not only the composite nature of unsecured debt, but also the fact that different methodological approaches exist depending on the research questions under analysis and the objectives sought. Four main approaches can be seen: a management approach, which focuses on the characteristics of the credit industry, its workings and the policies adopted by supply-side players; a legal approach, which investigates the impact the regulatory framework has on competition and consumer protection; a socio-psychological approach, which analyses how individuals are affected by consumption behaviour and indebtedness choices; an economic approach, which for the most part concentrates on the determinants of the demand for and supply of consumer credit and on an analysis of the characteristics of individuals and households in debt. In this chapter we will discuss the economic approach with the aim of providing an outline of the individual and institutional factors that are considered in the literature as determinants of consumer credit, its diffusion and distribution amongst different segments of the population.

Suggested Citation

  • Daniela Vandone, 2009. "The Determinants of Consumer Credit: A Review of the Literature," Contributions to Economics, in: Consumer Credit in Europe, chapter 0, pages 7-22, Springer.
    • Handle: RePEc:spr:conchp:978-3-7908-2101-7_2
    DOI: 10.1007/978-3-7908-2101-7_2
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    Cited by:

    1. Jonghee Lee & Kyoung Tae Kim, 2018. "The Increase in Payday Loans and Damaged Credit after the Great Recession," Journal of Family and Economic Issues, Springer, vol. 39(2), pages 360-369, June.
    2. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2018. "Crédito formal e informal de los hogares en Colombia," Investigación Conjunta-Joint Research, in: María José Roa García & Diana Mejía (ed.), Decisiones financieras de los hogares e inclusión financiera: evidencia para América Latina y el Caribe, edition 1, volume 1, chapter 5, pages 133-166, Centro de Estudios Monetarios Latinoamericanos, CEMLA.
    3. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Determinantes del acceso al crédito formal e informal: Evidencia de los hogares de ingresos medios y bajos en Colombia," Borradores de Economia 956, Banco de la Republica de Colombia.

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