Autori
Resti, Andrea
Petrella, Giovanni

Titolo
Usura bancaria: i rischi di un'applicazione paradossale e fuorviante della legge
Periodico
Banca impresa società
Anno: 2017 - Volume: 36 - Fascicolo: 1 - Pagina iniziale: 123 - Pagina finale: 140

In this note we deal with the process of verifying whether a lending rate exceeds the threshold rate set by the Italian anti-usury law, with a special focus on some methodological issues. Since some years, such a verification has been increasingly carried out on the basis of a formula for the lending rate that differs from the one dictated by the Bank of Italy. We show that such an approach - where the lending rate and the threshold rate are computed on the basis of two different procedures - proves unreliable as it is affected by significant mistakes and may lead to paradoxical results.



SICI: 1120-9453(2017)36:1<123:UBIRDU>2.0.ZU;2-S
Testo completo: https://www.rivisteweb.it/download/article/10.1435/86770
Testo completo alternativo: https://www.rivisteweb.it/doi/10.1435/86770

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