Потребительское кредитование

АННОТАЦИЯ
Данная работа написана на тему «Потребительский кредит». Здесь рассмотрены основные виды потребительского кредита, условия его предоставления, его роль в экономике.
Работа состоит из трех глав. В первой главе рассматривается роль потребительского кредита в экономике, для чего физические лица используют потребительский кредит.
Вторая глава посвящена формам потребительского кредита, их принципиальным отличиям.
В третьей главе рассматриваются условия предоставления потребительского кредита.
Таким образом, в данной работе показано, что в настоящее время все формы потребительского кредита имеют большую популярность среди людей, особенно в развитых странах.

CONCLUSIONS
On the basis of the research we made the following conclusions:
• There is a great variety of definitions given to the notion of consumer lending, but the sense remains the same.
• Consumer debt can be defined as ‘money, goods or services provided to an individual in lieu of payment’.
• Common forms of consumer credit include credit cards, store cards, motor (auto) finance, personal loans (installment loans), retail loans (retail installment loans) and mortgages.
• Consumer credit may be used in different purposes but it’s noted that such credits are frequently used to support businesses.
• A credit card lets you pay for auto loans and leases, mortgages, utilities, and student loans. It also may be used to make different purchases.
• A store card charges no interest but requires the user to pay his/her balance in full upon receipt of the statement, usually on a monthly basis. While it is similar to a credit card, the major benefit offered by a store card is that it has much higher, often unlimited, spending limits.
• Personal loans are used for debt consolidation, or to pay for vacations, education expenses, or medical bills, and are amortized over a fixed term with regular payments of principal and interest.
• Mortgage lending is the primary mechanism used in many countries to finance private ownership of residential and commercial property.
• Some consider that credit is a coercive measure when dealing with purchase of some products or goods, but indeed it’s beneficial for banks and firms to provide people with such credits, because terms of the credit may be different with different interest rates. Furthermore, owing to credits a greater amount of goods are sold and banks benefit from high interest rates.