Autore
Cotterli, Simonetta

Titolo
Credito e debito dopo la crisi: strumenti per famiglie e micro-imprese
Periodico
Banca impresa società
Anno: 2016 - Volume: 35 - Fascicolo: 3 - Pagina iniziale: 469 - Pagina finale: 500

This study aims to review and evaluate several policies enacted in the financial field to alleviate the negative consequences of the economic crisis on families and micro-businesses. Two different, yet complementary aspects of the effects of the crisis have been examined: the increased difficulty in gaining access to credit and the increased problems in meeting debt repayment obligations. Firstly the recent regulations governing micro-credit - enacted to facilitate access to credit for families and micro-businesses (the latter in light of the increasing need for self-sufficient entrepreneurial projects, as a response to increased unemployment in the job market) - are evaluated. This is followed by an examination of the efficacy of the law relating to over-indebtedness of families and micro-businesses, with particular focus on the concept of creditor-blame. This study ends with a question - Could an interpretation of the new rules governing responsible credit to consumers constitute a legal right to such credit?



SICI: 1120-9453(2016)35:3<469:CEDDLC>2.0.ZU;2-
Testo completo: https://www.rivisteweb.it/download/article/10.1435/85969
Testo completo alternativo: https://www.rivisteweb.it/doi/10.1435/85969

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