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From Indebtedness to Over-Indebtedness

In: Consumer Credit in Europe

Author

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  • Daniela Vandone

    (Department of Economics, Business and Statistics)

Abstract

The analysis carried out in the previous chapters has highlighted that borrowing certainly gives individuals the possibility of improving lifestyles by smoothing consumption over their life time. However, there are also concerns that some individuals risk a level of indebtedness that is unsustainable in relation to their earnings and that such a situation may lead to over-indebtedness. In this chapter, we will attempt to provide a definition of over-indebtedness, analysing, in particular, the problems faced in measuring the phenomenon and its determinants. We then look in detail at the measures adopted so far in Europe to prevent ex ante and manage ex post over-indebtedness. The strengths and weaknesses of these measures are analysed in order, where possible, to evaluate the rationale and effectiveness of, at times, widely differing instruments and actions.

Suggested Citation

  • Daniela Vandone, 2009. "From Indebtedness to Over-Indebtedness," Contributions to Economics, in: Consumer Credit in Europe, chapter 0, pages 69-97, Springer.
    • Handle: RePEc:spr:conchp:978-3-7908-2101-7_5
    DOI: 10.1007/978-3-7908-2101-7_5
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