Consumer debt and social exclusion in Europe
This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussio...
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fteuinstitute:oai:cadmus.eui.eu:1814/36656 2023-05-15T16:52:14+02:00 Consumer debt and social exclusion in Europe MICKLITZ, Hans-Wolfgang DOMURATH, Irina 2015 http://hdl.handle.net/1814/36656 en eng Farnham Burlington : Ashgate, 2015, Markets and the law 9781472449030 http://hdl.handle.net/1814/36656 info:eu-repo/semantics/book 2015 fteuinstitute 2022-02-19T14:16:04Z This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion. . -- Part I The Framework -- Introduction, Irina Domurath and Hans-W. Micklitz -- The design of consumer and mortgage credit law in the European system, Guido Comparato -- Part II The Country Reports -- Country report Greece, Georgios Mentis and Katerina Pantazatou -- Country report Portugal, Catarina Frade and Mariana Pinheiro Almeida -- Country report Spain, Pablo Gutiérrez de Cabiedes and Marta Cantero Gamito -- Country report Hungary, Mónika Józon -- Country report Iceland, M. Elvira Méndez Pinedo and Irina Domurath -- Country report Romania, Beatrice Andresan-Grigoriu and Madalina Moraru -- Part III The Different Issues of Over-Indebtedness -- Over-indebtedness and its causes across European countries, Elaine Kempson -- A map of responsible lending and responsible borrowing in the EU and suggestions for a stronger legal framework to prevent over-indebtedness of European consumers, Irina Domurath -- The role of credit bureaus in globalised economies: why they matter less than we think and how they can matter more, Akos Rona-Tas -- Two cheers for Europe: austerity, mortgage foreclosures and personal insolvency policy in the EU, Iain Ramsay -- Conclusions: consumer over-indebtedness and consumer insolvency - from micro to macro, Hans-W. Micklitz -- Index Book Iceland European University Institute, Italy: Cadmus (EUI Research Repository) Guido ENVELOPE(-60.933,-60.933,-64.050,-64.050) Gutiérrez ENVELOPE(-57.917,-57.917,-63.300,-63.300) Pablo ENVELOPE(-63.717,-63.717,-64.283,-64.283) Ramsay ENVELOPE(-44.733,-44.733,-60.733,-60.733) Rona ENVELOPE(13.943,13.943,66.985,66.985) |
institution |
Open Polar |
collection |
European University Institute, Italy: Cadmus (EUI Research Repository) |
op_collection_id |
fteuinstitute |
language |
English |
description |
This book analyses the dichotomy between the goal of social inclusion and the effect of social exclusion through over-indebtedness since 2008 in Europe. Filling a vital gap in the current literature on the effects of the financial and economic crisis, this volume puts into context academic discussion with the real-life dimension of over-indebtedness. Reports from six European countries provide socio-economic and legal information on over-indebtedness as well as the regulatory and judicial responses to the problems entailed by over-indebtedness. They form the empirical background for five analyses of different aspects of the inclusion-exclusion dichotomy. It becomes clear that in the context of credit expansion, individual over-indebtedness has turned into a social issue, which the current design of the consumer credit and mortgage system in Europe has helped to produce while disregarding the consequential danger of social exclusion. . -- Part I The Framework -- Introduction, Irina Domurath and Hans-W. Micklitz -- The design of consumer and mortgage credit law in the European system, Guido Comparato -- Part II The Country Reports -- Country report Greece, Georgios Mentis and Katerina Pantazatou -- Country report Portugal, Catarina Frade and Mariana Pinheiro Almeida -- Country report Spain, Pablo Gutiérrez de Cabiedes and Marta Cantero Gamito -- Country report Hungary, Mónika Józon -- Country report Iceland, M. Elvira Méndez Pinedo and Irina Domurath -- Country report Romania, Beatrice Andresan-Grigoriu and Madalina Moraru -- Part III The Different Issues of Over-Indebtedness -- Over-indebtedness and its causes across European countries, Elaine Kempson -- A map of responsible lending and responsible borrowing in the EU and suggestions for a stronger legal framework to prevent over-indebtedness of European consumers, Irina Domurath -- The role of credit bureaus in globalised economies: why they matter less than we think and how they can matter more, Akos Rona-Tas -- Two cheers for Europe: austerity, mortgage foreclosures and personal insolvency policy in the EU, Iain Ramsay -- Conclusions: consumer over-indebtedness and consumer insolvency - from micro to macro, Hans-W. Micklitz -- Index |
author2 |
MICKLITZ, Hans-Wolfgang DOMURATH, Irina |
format |
Book |
title |
Consumer debt and social exclusion in Europe |
spellingShingle |
Consumer debt and social exclusion in Europe |
title_short |
Consumer debt and social exclusion in Europe |
title_full |
Consumer debt and social exclusion in Europe |
title_fullStr |
Consumer debt and social exclusion in Europe |
title_full_unstemmed |
Consumer debt and social exclusion in Europe |
title_sort |
consumer debt and social exclusion in europe |
publishDate |
2015 |
url |
http://hdl.handle.net/1814/36656 |
long_lat |
ENVELOPE(-60.933,-60.933,-64.050,-64.050) ENVELOPE(-57.917,-57.917,-63.300,-63.300) ENVELOPE(-63.717,-63.717,-64.283,-64.283) ENVELOPE(-44.733,-44.733,-60.733,-60.733) ENVELOPE(13.943,13.943,66.985,66.985) |
geographic |
Guido Gutiérrez Pablo Ramsay Rona |
geographic_facet |
Guido Gutiérrez Pablo Ramsay Rona |
genre |
Iceland |
genre_facet |
Iceland |
op_relation |
Farnham Burlington : Ashgate, 2015, Markets and the law 9781472449030 http://hdl.handle.net/1814/36656 |
_version_ |
1766042380935364608 |