Publications

31Oct
2016

Two Dimensions of Combating Over-Indebtedness: Consumer protection and financial stability

Published in: 
Research Reports

The expansion of credit markets has fostered economic growth across the European Union, but it has also produced a sharp increase in the average level of household...

01Sep
2016

ECRI Newsletter Nº 52, Autumn 2016

Published in: 
Newsletters
Author(s): 
Paul Thomalla, Michael Pearson

This edition includes an editorial by Sylvain Bouyon, as well as articles by Paul Thomalla from ACI Worldwide and Michael Pearson from Clarus Investments...

24Jun
2016

ECRI Newsletter Nº 51, Summer 2016

Published in: 
Newsletters
Author(s): 
Karel Lannoo, Mark Cliffe, Michalis Haliassos, Phil Thornton, Hans Timmermans, Monica Woodley, Stefan van Woelderen

This edition includes an editorial by Sylvain Bouyon as well as an article by Karel Lannoo on digitalisation.

24May
2016

The Business Models and Economics of Peer-to-Peer Lending

Published in: 
Research Reports
Author(s): 
Alistair Milne, Paul Parboteeah

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation.

08Mar
2016

ECRI Newsletter Nº 50, Spring 2016

Published in: 
Newsletters
Author(s): 
David Rees, Hans Dubois, Jan Siebols, Olivier Jerusalmy, Udo Reifner

This Edition includes an editorial on financial technology and over-indebtedness, as well as six ECRI newsletter articles.

15Dec
2015

Relaunching the European Retail Finance Market: Comments on the Commission's Green Paper

Published in: 
Commentaries
Author(s): 
Karel Lannoo

The European Commission’s Green Paper on retail financial services, published on December 10th, provides valuable insights into the possible benefits of a single market, as well as the obstacles to its development and the possible remedies.

04Dec
2015

What drives household consumption in the EU-28?

Published in: 
Commentaries

Given that final consumption of households has contributed on average to broadly 60% of EU-28 GDP since 2001, an assessment of the drivers behind its dynamics is quite timely in a context of gradual economic recovery.

04Dec
2015

Household Final Consumption in the EU: The key driver for a sustainable recovery?

Published in: 
Commentaries

After 4-5 years of poor performance, final consumption of households in the 28 EU member states is expected to recover significantly in 2015 and 2016.

16Nov
2015

Achieving European Policy Objectives through Financial Technology

Published in: 
Commentaries
Author(s): 
Alistair Milne

Alistair Milne argues in this ECRI Commentary that ‘FinTech’ (newly emerging Financial Technologies) can play a crucial role in achieving European policy objectives in the area of financial markets.

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