上限金利規制強化が借手に与える影響 : 消費者の最適な消費選択を考慮に入れて

概要

論文の詳細を見る
Heavy debtors and suicide victims have been increasing in Japan. Some of these have excessive debts, called "multiple consumer debts". So Japan Diet passed a bill bringing down the maximum allowable interest rate to 20%. But basic problem of these heavily indebted people is that they borrow money too much to repay. We investigate the rate of time preference of these people with the hyperbolic discounting effect. And we suggest situation that people need to take out consumer loans. This paper also considers the reducing interest rate causes consumer finance market to shrink. We also analyze consumer finance companies by using Stiglitz and Weiss (1981) model.
パーソナルファイナンス学会の論文
2008-10-30