| Description |
1 online resource (xii, 375 pages) : illustrations |
| Contents |
Cover -- TOContents -- Preface -- List of Contributions -- Introduction -- Part I. CH Access to Bank Accounts and Payment Services -- 1.1 Introduction: Financial Exclusion -- 1.2 Interests, Concerns and Possible Solutions -- 1.3 The Issue of Measurement and Comparative Analysis -- 1.4 Types of Response -- 1.5 Case Studies -- 1.6 Result from a Survey in France, Italy and Spain -- 1.7 Conclusions and Future Perspectives -- 1.8 References -- the Difficulties of Households / CH Access to Credit -- 2.1 Introduction -- 2.2 The Use of Credit by Households -- 2.3 A Theoretical Framework for Credit Exclusion -- 2.4 Beating Credit Exclusion -- 2.5 Conclusions and Policy Implications -- 2.6 References -- CH Access to Investments and Asset Building for Low Income People -- Theoretic Framework / 3.1 Saving and Asset Accumulation for LMIs -- 3.2 The USA Experience with the Individual Development Accounts (IDAs). 3.3 Saving and Asset Accumulation with Tax Refunds -- 3.4 The British Experience with the Child Trust Fund and the Savings Gateway -- 3.5 Conclusions -- 3.6 References and Bibliography -- 3.7 Appendix -- Comment on Data About the "Access to Investment Services". Appendix to Part I -- Methodological Notes to the Field Research in France, Italy and Spain -- Part II. CH What Are the Specific Economic Gains from Improved Financial Inclusion? -- A Tentative Methodology for Estimating These Gains -- 4.1 Introduction -- 4.2 Defining Financial Exclusion -- 4.3 European Evidence on Exclusion -- 4.4 Market Context and European Policy Responses -- 4.5 From Exclusion to Inclusion -- Identifying the Costs and Benefits -- 4.6 Measuring the Economic Gains from Improved Financial Inclusion -- 4.7 Conclusion -- 4.8 References and Bibliography -- CH |
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From Financial Exclusion to Overindebtedness: the Paradox of Difficulties for People on Low Incomes?. 5.1 Introduction -- 5.2 A Definition of Financial Exclusion as a Social Phenomenon -- the Importance of Social Constraints / 5.3 Access and Use of Credit -- 5.4 The Mechanisms Underlying Access and Use Difficulties -- 5.5 Conclusion -- 5.6 References -- CH The Role of German Savings Banks in Preventing Financial Exclusion -- 6.1 Introduction -- 6.2 Savings Banks as a Part of the German Banking System -- 6.3 Is the Public Mandate of the Savings Banks Obsolete or a Successful Strategy to Prevent Financial Exclusion?. 6.4 Financing of Small and Medium-Sized Enterprises -- 6.5 Encouraging the Accumulation of Wealth and Financial Education -- 6.6 Future Outlook on the Sparkassen-Finanzgruppe -- 6.7 References -- the Case of Poland / CH Economic Growth and Financial Inclusion -- 7.1 Introduction -- 7.2 Transformation of the Polish Banking Sector and Provision of Banking Services -- 7.3 Provision of Banking Services to Households and Corporations -- Results of Bank Surveys / 7.4 Models of Bank Services to SME. 7.5 Barriers to Providing Banking Services to SME -- 7.6 Conclusions -- 7.7 References -- Is There a Bias Against Some Segments of Customers?. 8.1 Introduction / CH Italian Banks' Credit Approach Towards Low-Income Consumers and Microenterprises -- 8.2 Methodologies of Credit |
| Summary |
"The goal of the authors has been that of highlighting both in a theoretic framework and through the study of the main experiences investigated on field, the need/the opportunity for banks, financial institutions, public authorities and non for profit associations to devote more efforts in understanding the problem of financial exclusion in order to offer to low-moderate-income people (LMI people) new opportunities of accessing financial services (banking, credit and investment services)."--Jacket |
| Analysis |
economie |
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economics |
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bedrijfswetenschap |
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management science |
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finance |
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macroeconomics |
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bankwezen |
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banking sector |
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Management studies, Business Administration, Organizational Science (General) |
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Economics (General) |
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Management, bedrijfskunde, organisatiekunde (algemeen) |
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Economie (algemeen) |
| Bibliography |
Includes bibliographical references |
| Notes |
Print version record |
| In |
Springer e-books |
| Subject |
Banks and banking.
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Financial services industry.
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Low-income consumers.
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BUSINESS & ECONOMICS -- Banks & Banking.
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Financial services industry.
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Low-income consumers.
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Banks and banking.
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Affaires.
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Science économique.
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Economie de l'entreprise.
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Banks and banking
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Financial services industry
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Low-income consumers
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| Form |
Electronic book
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| Author |
Anderloni, Luisa
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Braga, Maria Debora
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Carluccio, Emanuele Maria
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| LC no. |
2006935542 |
| ISBN |
9783540464983 |
|
3540464980 |
|
3540464972 |
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9783540464976 |
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1280817453 |
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9781280817458 |
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6610817456 |
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9786610817450 |
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