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...
This edition includes an editorial by Sylvain Bouyon, as well as articles by Paul Thomalla from ACI Worldwide and Michael Pearson from Clarus Investments...
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.
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.
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.
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.
The ECRI Commentaries Series provides short comments on ongoing developments as regards credit markets and other relevant developments in the field of financial services. ECRI researchers as well as external experts contribute to this series.
The ECRI Policy Brief Series provides short analyses of ongoing developments affecting credit markets in Europe. ECRI researchers as well as external experts contribute to this series.
ECRI Research Reports are studies of approximately 15,000 words either produced in-house or funded by and carried out for the European Credit Research Institute by external experts.
The institute's flagship publication provides the latest available statistical information on consumer and other credit to households in Europe, allowing its user to make meaningful comparisons between all 27 EU member states.
Relaunching the European Retail Finance Market: Comments on the Commission's Green Paper
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.