Consumer instalment credit /
Board of Governors of the Federal Reserve System.
- Washington, D. C : Government Printing Office, 1957.
- 6 volumenes en 3 partes : ilustraciones a blanco y negro ; 25 cm.
v.1 pte. 1 Growth and import - v.2 pte. 1 Growth and import - v.1 pte. 2 Conference on regulation - v.2 pte. 2 Conference on regulation - pte. 3 Views on regulations - 4 Financing new car purchases.
1. The problem and the study, 1 -- 2. The changing role of consumption, 7 -- 3. Types of instalment credit and credit institutions, 22 -- 4. Operating characteristics of consumer credit institutions, 43 -- 5. Operating experience, 66 -- 6. Users of instalment credit, 85 -- 7. Effects of changes in instalment credit terms, 119 -- 8. Growth of consumer instalment credit, 140 -- 9. Instalment credit and aggregate demand, 164 -- 10. The burden of consumer instalment debt, 189 -- 11. Consumer credit and economic instability, 205 -- 12. Theories of consumer instalment credit in relation to economic stability, 235 -- 13. Consumer instalment credit and the credit market, 257 -- 14. Experience "with consumer instalment credit regulation, 286 -- 15. Prospects for long-term growth in consumer instalment credit, 325 -- 16. Conflicting viewpoints, 356. VOLUMEN 2 -- I. Financial characteristics of principal consumer lenders, 5 -- II. Consumer credit and the credit market, 43 Ill. Automobile Instalment credit terms and practices, 143 -- IV. National survey of households, 1954-56: debt status, car purchase, and home ownership, 173 -- V. Consumer instalment credit and its regulation abroad, 245 -- VI. Alternative statutory approaches to instalment credit regulation, 279. PARTE II – VOLUMEN I -- Introduction / Instalment credit and business cycles / Comment / Changes in the quality of consumer instalment credit / Comment / Consumer credit and economic growth / Comment / Consumer credit expansion: macroeconomic analysis and data requirements / Comment / The financing of consumer credit institutions / Comment / Sources and costs of funds of large sales finance companies / Comment / Market practices in the consumer lending industry / Comment / Attitudes toward saving and borrowing / Comment / Factors associated with the use of consumer credit / Comment / Consumer debt and spending: some evidence from analysis of a survey / Comment / Geoffrey H. Moore and Thomas R. Atkinson, xiii -- Don D. Humphrey, 3 -- V Lewis Bassie, 56 -- Geoffrey H. Moore, Thomas R. Atkinson, and Philip A. Klein, 70 -- W. David Robbins, 158 -- Ervin Miller, 169 -- Friedrich A. Lutz, Moses Abramovitz, 234 -- John S. Atlee, 254 -- Duncan McC. Holthausen, 294 -- Eli Shapiro and David Meiselman, 298 -- James S. Earley, 414 -- Donald P. Jacobs, 324 -- James S. Earley, 414 -- Theodore A. Andersen, 424 -- Wallace P. Mors, 440 -- George Katona, 450 -- Guy H. Orcutt, 545 -- John B. Lansing, E. Scott Maynes, and Mordechai Kreinin, 487 -- Guy H. Orcutt, 545 -- James Tobin, 521 -- Guy H. Orcutt, George Katona, 550. PARTE II – VOLUEMEN II -- For standby consumer credit control / Comment / Consumer credit control as an instrument of monetary policy for economic stability / Comment / Consumer credit control as an instrument of stabilization policy / Comment / Consumer credit control and central banking / Comment / Further comment / Marcus Nadler, 3 -- Lester V. Chandler, 29 -- Robert P. Shay, 37 -- Arthur Smithies, 68 -- Milton Friedman, 73 -- Robert C. Turner, 103 -- Edward C. Simmons, 112 -- Herbert Stein, 138 -- Robert P. Shay, Albert Gailord Hark, Ruth P. Mack, Guy H. Orcutt, James S. Earley, Edward J. Kilberg, Philip A. Klein, 143.
PARTE III -- I. Nature and scope of this study, 1 -- II. Trade associations, 13 -- III. Commercial banks, 24 -- IV. Sales finance companies, 60 -- V. Consumer finance companies, 98 -- VI. Manufacturers, 112 -- VII. Department stores, 137 -- VIII. Mail-order companies, 159 -- IX. Automobile dealers, 168 -- X. Furniture stores, 184 -- XI. Appliance and radio-tv dealers, 204 -- XII. Jewelry stores, 215 -- XIII. Power and light companies, 222 -- XIV. Consumer groups, 226. PARTE IV -- 1. Major findings, 1 -- 2. New car purchases, 1954-55, 8 -- 3. Credit and cash purchases, 24 -- 4. Credit purchases: amounts and sources of funds, 41 -- 5. Credit terms in new car instalment contracts, 55 -- 6. Repayment experience on credit purchases, 80 -- 7. Attitudes and plans in 1956 of 1954-55 new car buyers, 89 -- Appendix: Methods and definitions (detailed contents on pages 107-108), 109.