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Research paper: Financing Gap and SME Employment Growth: Beyond Access to Finance

MFC Research paper: Financing Gap and SME Employment Growth: Beyond Access to Finance The key aim of our research was to investigate the relation between the perceived changes in financing gap and employment growth by SMEs in the EU. The paper builds on and extends the analysis of SAFE survey data, in order to focus [...]

By | January 26th, 2017|Reading Room|Comments Off on Research paper: Financing Gap and SME Employment Growth: Beyond Access to Finance

Measuring Financial Inclusion in the EU: Financial Inclusion Score

MFC Research paper: Measuring Financial Inclusion in the EU: Financial Inclusion Score The paper presents a radical new approach to measuring financial inclusion in the EU: a financial inclusion score that treats financial inclusion as the efficiency with which a financial system transforms the conditions of access (infrastructure, regulations, etc) into the actual use of [...]

By | January 26th, 2017|Hot Topics, Reading Room|Comments Off on Measuring Financial Inclusion in the EU: Financial Inclusion Score

EBA – Innovative uses of consumer data

Innovative uses of consumer data by financial institutions: A financial regulator’s view Rita Bairros - Consumer Protection, Financial Innovation and Payments, EBA 7th December 2016, European Banking Authority-  Access the presentation here

By | December 7th, 2016|Events, Reading Room|Comments Off on EBA – Innovative uses of consumer data

Is debt relief rehabilitative?

Is debt relief rehabilitative? (Ahlström, R., & Edström, S., Savemark M.) The Swedish Consumer Agency, Report 2014

By | December 7th, 2016|Events, Reading Room|Comments Off on Is debt relief rehabilitative?

Early detection and constructive response about households financial difficulties

Early detection and constructive response about households financial difficulties: EFIN Working paper EFIN Research - Working Group on Over-Indebtedness Participants : Iskra Balkanska (professeur-BG), Didier Gillet (Parcours Confiance-FR), Olivier Jérusalmy (EFIN-EU) Nadine Lilienthal (ESBG-EU), Nadzeya Sasnouskaya (EFIN-BE), Jan Siebolds (City of Amsterdam-NL), Theresa Tedd (Local Authority representative-UK), Fabien Tocqué (UNAF-FR)    

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Early detection and constructive response about households financial difficulties

Indicators to monitor over-indebtedness

Indicators to monitor over-indebtedness - EFIN Working Paper Working Group on Over-Indebtedness Participants: Justyna Pytkowska (coordinator – Microfinance Centre), Olivier Jérusalmy (EFIN), Andrea Falanga (EFIN), Beata Świecka (Szczecin University)  

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Indicators to monitor over-indebtedness

Unfair Lending Practices and Toxic Loans

Unfair Lending Practices and Toxic Loans - EFIN Working Paper Working Group on Over-Indebtedness: Participants : Farid Aliyev (BEUC), Anne Fily (BEUC), Olivier Jérusalmy (EFIN), Nadzeya Sasnouskaya (EFIN-BE)  

By | December 7th, 2016|Reading Room, We Advocate, We Research|Comments Off on Unfair Lending Practices and Toxic Loans

Impact of Big Data on Financial services (FSUG paper)

Impact of Big Data on Financial services (FSUG paper) - COFACE presentation to the 7th December Conference "Personal Insolvency", EU Parliament, Brussels  

By | December 7th, 2016|Events, Reading Room, We Disseminate|Comments Off on Impact of Big Data on Financial services (FSUG paper)

Data on over-indetedness, costs and benefit, key preventive measures- A French case

Data on overindetedness and key preventive measures, cost and benefit analysis - A French case Crésus presentation at the EU Parliament - EFIN conference on 7th December 2016

By | December 7th, 2016|Events, Reading Room, We Advocate|Comments Off on Data on over-indetedness, costs and benefit, key preventive measures- A French case

Commission proposes new approach to business insolvency in Europe : country specific fact sheet

The European Commission is for the first time presenting a set of European rules on business insolvency today. Well-functioning insolvency and restructuring systems are key to supporting economic growth. This initiative aims to enhance the "rescue culture" in the EU. It will allow companies in financial difficulties to restructure early on so as to prevent [...]

By | November 27th, 2016|Hot Topics, Reading Room|Comments Off on Commission proposes new approach to business insolvency in Europe : country specific fact sheet