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N° 10 October 2014

N° 10 October 2014

Consumer credit, an opportunity for economic recovery and for households’ chances Stefano Cosma, Umberto Filotto D12, D14, G21 Consumer credit is an opportunity if used to finance projects aimed to improve individual and households’ well-being, but it is also bears a clear responsi...

Less is more? Some critical issues in bank branches rationalization Mariarosa Borroni, Simone Rossi G21, L10 Twenty years after the liberalization of the opening of bank branches, Italy is widely considered an «over-branched» country. The advent of the financial c...

Financial crowdfunding, a new tool for Smes Francesca Querci G23, G32 Technological innovation and the financial crisis have accelerated the development of financial crowdfunding. On the one hand, the tightening of traditiona...

Financial literacy, low incomes Brenda Cude, Gianni Nicolini G01, I22 This paper analyzes how financial knowledge and income can be considered as indicators to avoid situations of financial stress. The hypothesis of the work ...

New rules on securitization of trade receivables in Italy Vinicio Trombetti G23, G29, K22 Italian companies, banks and investors have, after the recent regulatory changes, two legal instruments to obtain liquidity using trade receivables: the la...

Italian fiscal monitoring: taxpayers and intermediaries obligations Enzo Mignarri H2, H26 Recent changes introduced to the Italian discipline of fiscal monitoring aim to reduce and simplify the taxpayers’ obligations, to broaden the range of int...

Leasing, factoring and consumer credit in Italy: the impact of financial turmoil Pierpaolo Ferrari G20, G23 The work analyzes the effects of the financial crisis on the performances of Italian specialized intermediaries in leasing, factoring and consumer credit s...