Evaluative Techniques in Consumer Finance—Experimental Results and Policy Implications for Financial Institutions
Consumer credit is an extremely significant factor in the economic expansion of the United States. Its annual compound rate of growth over the postwar period, averaging more than 15 percent, has considerably exceeded that of virtually all other economic indicators, and this expansion rate shows no s...
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| Veröffentlicht in: | Journal of financial and quantitative analysis 1974-03, Vol.9 (2), p.275-283 |
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| container_end_page | 283 |
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| container_issue | 2 |
| container_start_page | 275 |
| container_title | Journal of financial and quantitative analysis |
| container_volume | 9 |
| creator | Apilado, Vincent P. Warner, Don C. Dauten, Joel J. |
| description | Consumer credit is an extremely significant factor in the economic expansion of the United States. Its annual compound rate of growth over the postwar period, averaging more than 15 percent, has considerably exceeded that of virtually all other economic indicators, and this expansion rate shows no sign of lessening. The importance of consumer credit is further emphasized by the fact that it accounts for nearly one-third the total liabilities of the household sector [11, p. 142]. And from the stand-point of financial institutions, consumer loans are vital because they are characteristically the most profitable investments in lenders' asset portfolios. |
| doi_str_mv | 10.2307/2330105 |
| format | Article |
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Its annual compound rate of growth over the postwar period, averaging more than 15 percent, has considerably exceeded that of virtually all other economic indicators, and this expansion rate shows no sign of lessening. The importance of consumer credit is further emphasized by the fact that it accounts for nearly one-third the total liabilities of the household sector [11, p. 142]. 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Financ. Quant. Anal</addtitle><description>Consumer credit is an extremely significant factor in the economic expansion of the United States. Its annual compound rate of growth over the postwar period, averaging more than 15 percent, has considerably exceeded that of virtually all other economic indicators, and this expansion rate shows no sign of lessening. The importance of consumer credit is further emphasized by the fact that it accounts for nearly one-third the total liabilities of the household sector [11, p. 142]. And from the stand-point of financial institutions, consumer loans are vital because they are characteristically the most profitable investments in lenders' asset portfolios.</description><subject>Bank accounts</subject><subject>Bank loans</subject><subject>Checking accounts</subject><subject>Consumer credit</subject><subject>Credit risk</subject><subject>Installment loans</subject><subject>Lenders</subject><subject>Loan payments</subject><subject>Loans</subject><subject>Mortgage loans</subject><issn>0022-1090</issn><issn>1756-6916</issn><fulltext>true</fulltext><rsrctype>article</rsrctype><creationdate>1974</creationdate><recordtype>article</recordtype><recordid>eNp9kE1OwzAQhS0EEqUgruAFEmIRcOIkjpeoatqi8lNU1padOuCSOMV2qnbHITghJ8GlhQ0SqyfNfPM07wFwGqLLCCNyFWGMQpTsgU5IkjRIaZjugw5CURSEiKJDcGTtHKHNAHWA7S951XKnlhJOZfGi1VsrLVQa9hpt21oamCvNdSE_3z_6q4U0qpba8Qo-SttWzkKuZ_ChqVSxhqN64dWb-VNYNj-nytMjbZ1y7ffqGByUvLLyZKdd8JT3p71hML4fjHrX46DACXEB5RiVpBRxhrNMUFoWWMiMZHwmiyQWnEshyhhFaShElmQx9oEiwQklWOCCCtwF51vfwjTWGlmyhf-emzULEdt0xXZdefJsS86ta8w_WLDFlHVy9Ytx88pSgknC0sGERfQuz2-HN2zi-YvdA7wWRs2eJZs3rdE-9B_vL_2fhn8</recordid><startdate>19740301</startdate><enddate>19740301</enddate><creator>Apilado, Vincent P.</creator><creator>Warner, Don C.</creator><creator>Dauten, Joel J.</creator><general>Cambridge University Press</general><general>University of Washington Graduate School of Business Administration and the Western Finance Association</general><scope>BSCLL</scope><scope>AAYXX</scope><scope>CITATION</scope></search><sort><creationdate>19740301</creationdate><title>Evaluative Techniques in Consumer Finance—Experimental Results and Policy Implications for Financial Institutions</title><author>Apilado, Vincent P. ; Warner, Don C. ; Dauten, Joel J.</author></sort><facets><frbrtype>5</frbrtype><frbrgroupid>cdi_FETCH-LOGICAL-c357t-9a30f7fb48388b99fc3be878adec54baaebbf40261bb858432202ba7973b3c9b3</frbrgroupid><rsrctype>articles</rsrctype><prefilter>articles</prefilter><language>eng</language><creationdate>1974</creationdate><topic>Bank accounts</topic><topic>Bank loans</topic><topic>Checking accounts</topic><topic>Consumer credit</topic><topic>Credit risk</topic><topic>Installment loans</topic><topic>Lenders</topic><topic>Loan payments</topic><topic>Loans</topic><topic>Mortgage loans</topic><toplevel>peer_reviewed</toplevel><toplevel>online_resources</toplevel><creatorcontrib>Apilado, Vincent P.</creatorcontrib><creatorcontrib>Warner, Don C.</creatorcontrib><creatorcontrib>Dauten, Joel J.</creatorcontrib><collection>Istex</collection><collection>CrossRef</collection><jtitle>Journal of financial and quantitative analysis</jtitle></facets><delivery><delcategory>Remote Search Resource</delcategory><fulltext>fulltext</fulltext></delivery><addata><au>Apilado, Vincent P.</au><au>Warner, Don C.</au><au>Dauten, Joel J.</au><format>journal</format><genre>article</genre><ristype>JOUR</ristype><atitle>Evaluative Techniques in Consumer Finance—Experimental Results and Policy Implications for Financial Institutions</atitle><jtitle>Journal of financial and quantitative analysis</jtitle><addtitle>J. Financ. Quant. Anal</addtitle><date>1974-03-01</date><risdate>1974</risdate><volume>9</volume><issue>2</issue><spage>275</spage><epage>283</epage><pages>275-283</pages><issn>0022-1090</issn><eissn>1756-6916</eissn><abstract>Consumer credit is an extremely significant factor in the economic expansion of the United States. Its annual compound rate of growth over the postwar period, averaging more than 15 percent, has considerably exceeded that of virtually all other economic indicators, and this expansion rate shows no sign of lessening. The importance of consumer credit is further emphasized by the fact that it accounts for nearly one-third the total liabilities of the household sector [11, p. 142]. And from the stand-point of financial institutions, consumer loans are vital because they are characteristically the most profitable investments in lenders' asset portfolios.</abstract><cop>New York, USA</cop><pub>Cambridge University Press</pub><doi>10.2307/2330105</doi><tpages>9</tpages></addata></record> |
| fulltext | fulltext |
| identifier | ISSN: 0022-1090 |
| ispartof | Journal of financial and quantitative analysis, 1974-03, Vol.9 (2), p.275-283 |
| issn | 0022-1090 1756-6916 |
| language | eng |
| recordid | cdi_crossref_primary_10_2307_2330105 |
| source | Business Source Complete; Cambridge Journals; JSTOR Archive Collection A-Z Listing |
| subjects | Bank accounts Bank loans Checking accounts Consumer credit Credit risk Installment loans Lenders Loan payments Loans Mortgage loans |
| title | Evaluative Techniques in Consumer Finance—Experimental Results and Policy Implications for Financial Institutions |
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