메뉴 건너뛰기




Volumn 41, Issue 2, 2013, Pages 420-435

Information and consumer credit in Central and Eastern Europe

Author keywords

Automated individual decision; Behavioral economics; Central and Eastern Europe; Consumer credit; Data privacy; Data sharing; Distributed cognition; Legal theory of finance; Mortgage

Indexed keywords


EID: 84892431308     PISSN: 01475967     EISSN: 10957227     Source Type: Journal    
DOI: 10.1016/j.jce.2013.03.012     Document Type: Article
Times cited : (13)

References (57)
  • 1
    • 85005305538 scopus 로고
    • The market for 'lemons': quality uncertainty and the market mechanism
    • Akerlof George A. The market for 'lemons': quality uncertainty and the market mechanism. Quarterly Journal of Economics 1970, 84(3):488-500.
    • (1970) Quarterly Journal of Economics , vol.84 , Issue.3 , pp. 488-500
    • Akerlof, G.A.1
  • 4
    • 8644277076 scopus 로고    scopus 로고
    • "Seduction by Plastic", 98 Northwestern University Law Review 1373.
    • Bar Gill, Oren, 2004. "Seduction by Plastic", 98 Northwestern University Law Review 1373.
    • (2004)
    • Bar Gill, O.1
  • 5
    • 84892441272 scopus 로고    scopus 로고
    • "Product Use Information and the Limits of Voluntary Disclosure" New York University Law and Economics Working Papers. Paper 239.
    • Bar-Gill, Oren, Board, Oliver 2012. "Product Use Information and the Limits of Voluntary Disclosure" New York University Law and Economics Working Papers. Paper 239.
    • (2012)
    • Bar-Gill, O.1    Board, O.2
  • 6
    • 79958086333 scopus 로고    scopus 로고
    • Informing consumers about themselves
    • Bar Gill Oren, Franco Ferrari Informing consumers about themselves. Erasmus Law Review 2010, 3(2):93-119.
    • (2010) Erasmus Law Review , vol.3 , Issue.2 , pp. 93-119
    • Bar Gill, O.1    Franco, F.2
  • 7
    • 84892440469 scopus 로고    scopus 로고
    • Making Credit Safer. New York University Law and Economics Working Papers. Paper 137.
    • Bar-Gill, Oren, Elizabeth, Warren, 2008. Making Credit Safer. New York University Law and Economics Working Papers. Paper 137. http://lsr.nellco.org/nyu_lewp/137.
    • (2008)
    • Bar-Gill, O.1    Elizabeth, W.2
  • 8
    • 33745298290 scopus 로고    scopus 로고
    • The value of comprehensive credit reports: lessons from the U.S. experience
    • MIT Press, Cambridge, MA, M.J. Miller (Ed.)
    • Barron John M., Staten Michael The value of comprehensive credit reports: lessons from the U.S. experience. Credit Reporting Systems and the International Economy 2003, 273-310. MIT Press, Cambridge, MA. M.J. Miller (Ed.).
    • (2003) Credit Reporting Systems and the International Economy , pp. 273-310
    • Barron, J.M.1    Staten, M.2
  • 9
    • 84979834490 scopus 로고    scopus 로고
    • Minding the Machine: Article 15 of the EC Data Protection Directive and Automated Profiling Computer Law & Security Report
    • Bygrave, Lee A., 2001. Minding the Machine: Article 15 of the EC Data Protection Directive and Automated Profiling Computer Law & Security Report, vol. 17, pp. 17-24.
    • (2001) , vol.17 , pp. 17-24
    • Bygrave, L.A.1
  • 10
    • 0001610947 scopus 로고    scopus 로고
    • Loss-avoidance and forward induction in experimental coordination games
    • Cachon Gérard P., Camerer Colin F. Loss-avoidance and forward induction in experimental coordination games. Quarterly Journal of Economics 1996, 111(1):165-194.
    • (1996) Quarterly Journal of Economics , vol.111 , Issue.1 , pp. 165-194
    • Cachon Gérard, P.1    Camerer, C.F.2
  • 11
    • 17444416442 scopus 로고    scopus 로고
    • The dirt on coming clean: perverse effects of disclosing conflicts of interest
    • Cain Daylian M., Loewenstein George, Moore Don A. The dirt on coming clean: perverse effects of disclosing conflicts of interest. The Journal of Legal Studies 2005, 34(1):1-25.
    • (2005) The Journal of Legal Studies , vol.34 , Issue.1 , pp. 1-25
    • Cain, D.M.1    Loewenstein, G.2    Moore, D.A.3
  • 12
    • 0004243333 scopus 로고    scopus 로고
    • Blackwell, Oxford, M. Callon (Ed.)
    • The Laws of the Market 1998, Blackwell, Oxford. M. Callon (Ed.).
    • (1998) The Laws of the Market
  • 14
    • 17044399775 scopus 로고    scopus 로고
    • Market mavens: psychological influences
    • Clark Ronald A., Goldsmith Ronald E. Market mavens: psychological influences. Psychology and Marketing 2005, 22(4):289-312.
    • (2005) Psychology and Marketing , vol.22 , Issue.4 , pp. 289-312
    • Clark, R.A.1    Goldsmith, R.E.2
  • 16
    • 77149134046 scopus 로고    scopus 로고
    • Second-order rationality
    • Russell Sage, New York, E.J. McCaffery, J. Slemrod (Eds.)
    • Epstein Richard A. Second-order rationality. Behavioral Public Finance 2006, 355-389. Russell Sage, New York. E.J. McCaffery, J. Slemrod (Eds.).
    • (2006) Behavioral Public Finance , pp. 355-389
    • Epstein, R.A.1
  • 17
    • 84933491384 scopus 로고
    • The draft directive of the European community regarding the protection of personal data
    • Estadella-Yuste Olga The draft directive of the European community regarding the protection of personal data. The International and Comparative Law Quarterly 1992, 41(1):170-179.
    • (1992) The International and Comparative Law Quarterly , vol.41 , Issue.1 , pp. 170-179
    • Estadella-Yuste, O.1
  • 18
    • 0003018358 scopus 로고
    • The market maven: a diffuser of marketplace information
    • Fleick Lawrence F., Price Linda L. The market maven: a diffuser of marketplace information. The Journal of Marketing 1987, 51(1):83-97.
    • (1987) The Journal of Marketing , vol.51 , Issue.1 , pp. 83-97
    • Fleick, L.F.1    Price, L.L.2
  • 21
    • 84892434180 scopus 로고    scopus 로고
    • GAO, 2006. Credit Cards. Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers. Report to the Ranking Minority Member, Permanent Subcommittee on Investigations, Committee on Homeland Security and Governmental Affairs, U.S. Senate, Government Accounting Office, 06-929, September.
    • GAO, 2006. Credit Cards. Increased Complexity in Rates and Fees Heightens Need for More Effective Disclosures to Consumers. Report to the Ranking Minority Member, Permanent Subcommittee on Investigations, Committee on Homeland Security and Governmental Affairs, U.S. Senate, Government Accounting Office, 06-929, September.
  • 22
    • 84892444130 scopus 로고    scopus 로고
    • The Use of Credit Information in Personal Lines Insurance Underwriting. Insurance Issues Series, 1/2, Insurance Information Institute, New York.
    • Hartwig, Robert P., Claire, Wilkinson, 2003. The Use of Credit Information in Personal Lines Insurance Underwriting. Insurance Issues Series, 1/2, Insurance Information Institute, New York.
    • (2003)
    • Hartwig, R.P.1    Claire, W.2
  • 23
    • 84892435748 scopus 로고    scopus 로고
    • HNB (Hungarian National Bank), 2011. Jelentés a pénzügyi stabilitásról. 2011 November (Report on Financial Stability, November, 2011) Budapest.
    • HNB (Hungarian National Bank), 2011. Jelentés a pénzügyi stabilitásról. 2011 November (Report on Financial Stability, November, 2011) Budapest.
  • 24
    • 84892443686 scopus 로고    scopus 로고
    • HNB (Hungarian National Bank), 2012. Financial Stability Report. 2012 November, Budapest.
    • HNB (Hungarian National Bank), 2012. Financial Stability Report. 2012 November, Budapest.
  • 25
    • 84988425770 scopus 로고    scopus 로고
    • Distributed cognition: toward a new foundation for human-computer interaction research
    • Hollan James, Hutchins Edwin, Kirsh David Distributed cognition: toward a new foundation for human-computer interaction research. ACM Transactions on Computer-Human Interaction 2000, 7(2):174-196.
    • (2000) ACM Transactions on Computer-Human Interaction , vol.7 , Issue.2 , pp. 174-196
    • Hollan, J.1    Hutchins, E.2    Kirsh, D.3
  • 26
    • 84892442044 scopus 로고    scopus 로고
    • A bankok háztartási hitelezéshez kapcsolódó követeléskezelése. (Debt management of banks related to household lending.) Hungarian National Bank, Background Analysis IV. Financial Stability Report 2009 November.
    • Homolya, Daniel, Gabor, Szigel, 2009. A bankok háztartási hitelezéshez kapcsolódó követeléskezelése. (Debt management of banks related to household lending.) Hungarian National Bank, Background Analysis IV. Financial Stability Report 2009 November.
    • (2009)
    • Homolya, D.1    Gabor, S.2
  • 28
    • 84892435736 scopus 로고    scopus 로고
    • Information Sharing in Credit Markets: International Evidence. Inter-American Development Bank Research Network Working Paper R-371. Inter-American Development Bank, Research Department, Washington, DC, United States.
    • Jappelli, Tullio, Marco, Pagano, 1999. Information Sharing in Credit Markets: International Evidence. Inter-American Development Bank Research Network Working Paper R-371. Inter-American Development Bank, Research Department, Washington, DC, United States.
    • (1999)
    • Jappelli, T.1    Marco, P.2
  • 29
    • 84892435082 scopus 로고    scopus 로고
    • The Regulation of Financial Privacy: The United States vs. Europe. European Credit Research Institute Research Report No. 5, Brussels.
    • Jentzsch, Nicola, 2003. The Regulation of Financial Privacy: The United States vs. Europe. European Credit Research Institute Research Report No. 5, Brussels.
    • (2003)
    • Jentzsch, N.1
  • 30
    • 77950408964 scopus 로고    scopus 로고
    • Consumer credit markets in the United States and Europe
    • MIT Press, Cambridge, MA, G. Bertola, R. Disney, C. Grant (Eds.)
    • Jentzsch Nicola, San Jose Riestra Amparo Consumer credit markets in the United States and Europe. The Economics of Consumer Credit 2006, 32-62. MIT Press, Cambridge, MA. G. Bertola, R. Disney, C. Grant (Eds.).
    • (2006) The Economics of Consumer Credit , pp. 32-62
    • Jentzsch, N.1    San Jose Riestra, A.2
  • 31
    • 0041767185 scopus 로고    scopus 로고
    • Legal, social, and economic issues in implementing scoring in the United States
    • Oxford University Press, Oxford, L.C. Thomas, D.B. Edelman, J.N. Crook (Eds.)
    • Johnson Robert W. Legal, social, and economic issues in implementing scoring in the United States. Readings in Credit Scoring. Recent Developments, Advances, and Aims 2004, 5-15. Oxford University Press, Oxford. L.C. Thomas, D.B. Edelman, J.N. Crook (Eds.).
    • (2004) Readings in Credit Scoring. Recent Developments, Advances, and Aims , pp. 5-15
    • Johnson, R.W.1
  • 32
    • 0001331917 scopus 로고
    • Anomalies: the endowment effect, loss aversion, and Status Quo Bias
    • Kahneman Daniel, Knetsch Jack L., Thaler Richard H. Anomalies: the endowment effect, loss aversion, and Status Quo Bias. The Journal of Economic Perspectives 1991, 5(1):193-206.
    • (1991) The Journal of Economic Perspectives , vol.5 , Issue.1 , pp. 193-206
    • Kahneman, D.1    Knetsch, J.L.2    Thaler, R.H.3
  • 33
    • 0004128964 scopus 로고    scopus 로고
    • Cambridge University Press, Cambridge, D. Kahneman, A. Tversky (Eds.)
    • Choices, Values and Frames 2000, Cambridge University Press, Cambridge. D. Kahneman, A. Tversky (Eds.).
    • (2000) Choices, Values and Frames
  • 34
  • 35
    • 77953361519 scopus 로고    scopus 로고
    • Problem solving and situated cognition
    • Cambridge University Press, Cambridge, P. Robbins, M. Aydede (Eds.)
    • Kirsh David Problem solving and situated cognition. The Cambridge Handbook of Situated Cognition 2009, 264-306. Cambridge University Press, Cambridge. P. Robbins, M. Aydede (Eds.).
    • (2009) The Cambridge Handbook of Situated Cognition , pp. 264-306
    • Kirsh, D.1
  • 37
    • 84892433068 scopus 로고    scopus 로고
    • "Információ-megosztás a bankok között: Kinek jó a teljes lista?" (Information sharing among banks: Who benefits from full-reporting lists?" In: Major, Ivan (Ed.), Pénzügyi adósnyilvántartó rendszerek a világban, Európában és Magyarországon. Közgazdaságtudományi Intézet, Budapest e-book (Chapter 7).
    • Major, Ivan, 2009. "Információ-megosztás a bankok között: Kinek jó a teljes lista?" (Information sharing among banks: Who benefits from full-reporting lists?" In: Major, Ivan (Ed.), Pénzügyi adósnyilvántartó rendszerek a világban, Európában és Magyarországon. Közgazdaságtudományi Intézet, Budapest e-book (Chapter 7). http://econ.core.hu/kiadvany/ktikonyvek.html.
    • (2009)
    • Major, I.1
  • 38
    • 84892434783 scopus 로고    scopus 로고
    • Global Credit Card Use and Debt: Policy Issues and Regulatory Responses. Bepress Legal Series, Paper 490.
    • Mann, Ronald J., 2005. Global Credit Card Use and Debt: Policy Issues and Regulatory Responses. Bepress Legal Series, Paper 490.
    • (2005)
    • Mann, R.J.1
  • 40
    • 84892431306 scopus 로고    scopus 로고
    • The Loser's Curse: Overconfidence vs. Market Efficiency in the National Football League Draft - Electronic Appendix (August 14, 2010). Available at SSRN:
    • Massey, Cade, Thaler, Richard H., 2010. The Loser's Curse: Overconfidence vs. Market Efficiency in the National Football League Draft - Electronic Appendix (August 14, 2010). Available at SSRN: http://ssrn.com/abstract=1583685.
    • (2010)
    • Massey, C.1    Thaler, R.H.2
  • 41
    • 33646263446 scopus 로고    scopus 로고
    • Glenlake Pub. Co. Amacom, Chicago, New York
    • Mays Elizabeth Handbook of Credit Scoring 2001, Glenlake Pub. Co. Amacom, Chicago, New York.
    • (2001) Handbook of Credit Scoring
    • Mays, E.1
  • 42
    • 34247582893 scopus 로고    scopus 로고
    • Rethinking disclosure in a world of risk-based pricing
    • McCoy Patricia A. Rethinking disclosure in a world of risk-based pricing. Harvard Journal on Legislation 2007, 44:123-166.
    • (2007) Harvard Journal on Legislation , vol.44 , pp. 123-166
    • McCoy, P.A.1
  • 44
    • 84993880604 scopus 로고
    • Information sharing in credit markets
    • Pagano Marco, Jappelli Tullio Information sharing in credit markets. The Journal of Finance 1993, 48(5):1693-1718.
    • (1993) The Journal of Finance , vol.48 , Issue.5 , pp. 1693-1718
    • Pagano, M.1    Jappelli, T.2
  • 45
    • 84892438390 scopus 로고    scopus 로고
    • Foreign Currency Borrowing: The Case of Hungary. FINESS, Working Paper D.5.4.
    • Pellényi, Gábor, Bilek, Péter, 2009. Foreign Currency Borrowing: The Case of Hungary. FINESS, Working Paper D.5.4.
    • (2009)
    • Pellényi, G.1    Bilek, P.2
  • 46
    • 84892445516 scopus 로고    scopus 로고
    • Towards a Legal Theory of Finance.
    • Pistor, Katharina, 2013. Towards a Legal Theory of Finance.
    • (2013)
    • Pistor, K.1
  • 47
    • 84892444950 scopus 로고    scopus 로고
    • PSZÁF (Pénzügyi Szervezetek Állami Felügyelete), 2012. Gyorselemzés a végtörlesztésrol. (Hungarian Financial Supervisory Authority. Quick Analysis on Paying Off Debt.) March 12.
    • PSZÁF (Pénzügyi Szervezetek Állami Felügyelete), 2012. Gyorselemzés a végtörlesztésrol. (Hungarian Financial Supervisory Authority. Quick Analysis on Paying Off Debt.) March 12.
  • 48
    • 79956178445 scopus 로고    scopus 로고
    • The role of ratings in the subprime mortgage crisis: The art of corporate and the science of consumer credit rating. In: Lounsbury, Michael, Hirsch, Paul M. (Ed.), Markets on Trial: The Economic Sociology of the U.S. Financial Crisis: Part A (Research in the Sociology of Organizations, ). Emerald Group Publishing Limited
    • Rona-Tas, Akos, Hiss, Stefanie, 2010. The role of ratings in the subprime mortgage crisis: The art of corporate and the science of consumer credit rating. In: Lounsbury, Michael, Hirsch, Paul M. (Ed.), Markets on Trial: The Economic Sociology of the U.S. Financial Crisis: Part A (Research in the Sociology of Organizations, vol. 30). Emerald Group Publishing Limited, pp. 115-155.
    • (2010) , vol.30 , pp. 115-155
    • Rona-Tas, A.1    Hiss, S.2
  • 50
    • 84892431226 scopus 로고    scopus 로고
    • Consumer Protection Initiatives in the EU Mortgage Market: A Behavioral Economics Based Critique and Proposal. ExpressO Available at:
    • Stark, Debra P., Choplin, Jessica M. 2010. Consumer Protection Initiatives in the EU Mortgage Market: A Behavioral Economics Based Critique and Proposal. ExpressO Available at: http://works.bepress.com/debra_stark/3.
    • (2010)
    • Stark, D.P.1    Choplin, J.M.2
  • 51
    • 0000342340 scopus 로고
    • Credit rationing in markets with imperfect information
    • Stiglitz Joseph E., Weiss Andrew Credit rationing in markets with imperfect information. The American Economic Review 1981, 71(3):393-410.
    • (1981) The American Economic Review , vol.71 , Issue.3 , pp. 393-410
    • Stiglitz, J.E.1    Weiss, A.2
  • 53
    • 84892442048 scopus 로고    scopus 로고
    • Credit Reports and Insurance Underwriting. NAIC White Papers. National Association of Insurance Commissioners.
    • Tillinghast-Towers, Perrin, 1997. Credit Reports and Insurance Underwriting. NAIC White Papers. National Association of Insurance Commissioners.
    • (1997)
    • Tillinghast-Towers, P.1
  • 54
    • 0001371984 scopus 로고
    • Rational choice and the framing of decisions
    • (Part 2: The Behavioral Foundations of Economic Theory (October), pp. S251-S278)
    • Tversky Amos, Kahneman Daniel Rational choice and the framing of decisions. The Journal of Business 1986, 59(4). (Part 2: The Behavioral Foundations of Economic Theory (October), pp. S251-S278).
    • (1986) The Journal of Business , vol.59 , Issue.4
    • Tversky, A.1    Kahneman, D.2
  • 55
    • 84892438680 scopus 로고    scopus 로고
    • Van Dijk Management Consultants, 2009. Study on the Data Collection for Prices of Current Accounts Provided to Consumers.
    • Van Dijk Management Consultants, 2009. Study on the Data Collection for Prices of Current Accounts Provided to Consumers. http://www.ec.europa.eu.


* 이 정보는 Elsevier사의 SCOPUS DB에서 KISTI가 분석하여 추출한 것입니다.