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The Resource Personal finance companies and their credit practices, by Ralph A. Young and associates

Personal finance companies and their credit practices, by Ralph A. Young and associates

Label
Personal finance companies and their credit practices
Title
Personal finance companies and their credit practices
Statement of responsibility
by Ralph A. Young and associates
Creator
Subject
Language
eng
Member of
Cataloging source
DLC
http://library.link/vocab/creatorDate
1901-
http://library.link/vocab/creatorName
Young, Ralph A.
Illustrations
illustrations
Index
no index present
Literary form
non fiction
Series statement
Financial research program of the National Bureau of Economic Research. Studies in consumer instalment financing
Series volume
no. 1
http://library.link/vocab/subjectName
  • Consumer credit
  • Credit
  • Loans
  • Installment plan
Label
Personal finance companies and their credit practices, by Ralph A. Young and associates
Instantiates
Publication
Note
"In 1938 the National Bureau of Economic Research inaugurated a broad program of research finance, under grants from the Association of reserve city bankers and the Rockefeller foundation. The initial project of this program has been a comprehensive investigation of the instalment financing of consumers, an undertaking of which the present study ... in one part."--Pref
Carrier category
volume
Carrier category code
  • nc
Carrier MARC source
rdacarrier
Content category
text
Content type code
  • txt
Content type MARC source
rdacontent
Contents
The Significance of Personal Finance Company Credit -- Quantitative Importance of Personal Finance Company Credit -- Personal Finance and Other Consumer Instalment Credit -- Geographic Distribution of Personal Finance Company Facilities -- Legal Basis of Personal Finance Company Operations -- Organizational Structure of Personal Finance Companies -- Sources of Funds -- The Loan and Its Market -- Loan Characteristics -- Size of Loan -- Duration of Loan -- Security for Loan -- Borrower Characteristics -- Income of Borrowers -- Occupations of Borrowers -- Reasons for Borrowing and Uses of Funds -- Operating Methods and Collection Experience -- Methods of Obtaining Business -- Office Organization and Procedure -- Collection Procedure and Experience -- Delinquency -- Refinancing -- Foreclosure -- Charge-off of Bad Debts -- Charge-offs as an Expense of Lending -- Repayment Record of a Sample of Loans -- Credit Standards -- Procedure in Analysis of Charge-off Experience -- Charge-off Experience by Status of Customer -- Charge-off Experience by Security for Loan -- Charge-off Experience by Income of Borrower -- Charge-off Experience by Occupation of Borrower -- Charge-off Experience by Size of Loan -- Charge-off Experience by Customer Ratings -- Expenses and Income -- Expenses -- Gross and Net Income -- Size and Type of Loan Office as Factors in Earnings and Expenses -- Rates of Charge -- Forms of Rate Quotation -- Charges to Customers under Various Typical Rates -- The Relationship between Rates and Lenders' Costs -- The Effects of Changes in Maximum Legal Rates -- Rate Changes in New Jersey -- Rate Changes in West Virginia -- Rate Changes in Georgia -- Rate Changes in Tennessee -- Rate Changes in Missouri -- Conclusions Concerning Changes in Maximum Legal Rates -- Relations Among Lenders -- Cooperative Relations -- Competitive Relations
Control code
254795
Dimensions
24 cm
Extent
xix pages, 1 leaf, 170 pages including tables.
Lccn
40005484
Media category
unmediated
Media MARC source
rdamedia
Media type code
  • n
System control number
(WaOLN)803822
Label
Personal finance companies and their credit practices, by Ralph A. Young and associates
Publication
Note
"In 1938 the National Bureau of Economic Research inaugurated a broad program of research finance, under grants from the Association of reserve city bankers and the Rockefeller foundation. The initial project of this program has been a comprehensive investigation of the instalment financing of consumers, an undertaking of which the present study ... in one part."--Pref
Carrier category
volume
Carrier category code
  • nc
Carrier MARC source
rdacarrier
Content category
text
Content type code
  • txt
Content type MARC source
rdacontent
Contents
The Significance of Personal Finance Company Credit -- Quantitative Importance of Personal Finance Company Credit -- Personal Finance and Other Consumer Instalment Credit -- Geographic Distribution of Personal Finance Company Facilities -- Legal Basis of Personal Finance Company Operations -- Organizational Structure of Personal Finance Companies -- Sources of Funds -- The Loan and Its Market -- Loan Characteristics -- Size of Loan -- Duration of Loan -- Security for Loan -- Borrower Characteristics -- Income of Borrowers -- Occupations of Borrowers -- Reasons for Borrowing and Uses of Funds -- Operating Methods and Collection Experience -- Methods of Obtaining Business -- Office Organization and Procedure -- Collection Procedure and Experience -- Delinquency -- Refinancing -- Foreclosure -- Charge-off of Bad Debts -- Charge-offs as an Expense of Lending -- Repayment Record of a Sample of Loans -- Credit Standards -- Procedure in Analysis of Charge-off Experience -- Charge-off Experience by Status of Customer -- Charge-off Experience by Security for Loan -- Charge-off Experience by Income of Borrower -- Charge-off Experience by Occupation of Borrower -- Charge-off Experience by Size of Loan -- Charge-off Experience by Customer Ratings -- Expenses and Income -- Expenses -- Gross and Net Income -- Size and Type of Loan Office as Factors in Earnings and Expenses -- Rates of Charge -- Forms of Rate Quotation -- Charges to Customers under Various Typical Rates -- The Relationship between Rates and Lenders' Costs -- The Effects of Changes in Maximum Legal Rates -- Rate Changes in New Jersey -- Rate Changes in West Virginia -- Rate Changes in Georgia -- Rate Changes in Tennessee -- Rate Changes in Missouri -- Conclusions Concerning Changes in Maximum Legal Rates -- Relations Among Lenders -- Cooperative Relations -- Competitive Relations
Control code
254795
Dimensions
24 cm
Extent
xix pages, 1 leaf, 170 pages including tables.
Lccn
40005484
Media category
unmediated
Media MARC source
rdamedia
Media type code
  • n
System control number
(WaOLN)803822

Library Locations

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      38.919360 -92.291620
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