Regulation of short-term consumer credits

被引：3
|
作者：
Takalo, Tuomas [1 ,2 ]
机构：
[1] Bank Finland, Helsinki, Finland
[2] VATT Inst Econ Res, Helsinki, Finland
来源：
JOURNAL OF BANKING REGULATION | 2019年 / 20卷 / 04期
关键词：
Banking regulation; Interest rate caps; Payday lending; Credit markets; Financial stability; MARKET COMPETITION; USURY; TOO;
D O I：
10.1057/s41261-019-00098-w
中图分类号：
F8 [财政、金融];
学科分类号：
0202 ;
摘要：
The regulation of short-term consumer credit markets is heatedly debated around the world. This article uses economic research as a basis for a qualitative assessment of the regulation of the short-term consumer credit market and discusses the experience of the recent regulations implemented in Finland. According to research, the interest rate ceiling is an inefficient way of regulating the short-term consumer credit market. In contrast, the regulations should be based on price transparency and results from behavioral economics.
引用
收藏
页码：348 / 354
页数：7
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