2014年消费信贷外文翻译--立陶宛消费信贷市场的发展和可持续性风险

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1、4900 英文单词， 2.6 万英文字符 ， 中文 7900 字 文献出处： Taujanskait? K , Mil?Ius E . Development and Sustainability Risks of Lithuanian Consumer Credit MarketJ. Procedia - Social and Behavioral Sciences, 2014, 110:1185-1196. Development and sustainability risks of Lithuanian consumer credit market Kamil Taujanskait；

2、 Eugenijus Milius Abstract In the paper dynamics of consumer credit market development in Lithuania is being analyzed during the period from 2004 to 2012. Growth of market volume has been analyzed in correlation with macroeconomic indexes of the country as well as earnings of households and the regu

3、lations set by the state. Special attention was paid to some aspects, which might cause sustainability problems of this market. Based on uniform approach applied the credit portfolio of households in various credit institutions has been analyzed in detail as well as the dynamics of bad loans. Some p

4、redictions and warnings related to potential sustainability threats have been formulated. Keywords: loans; consumer credits; insolvency; financial literacy; sustainability threats. 1. Introduction Process analysis and control of consumer credit market has been paid attention by the governments and r

5、esearchers of many countries. Even though the problems within this market not always cause direct threats to the stability of the whole financial system of the country, its social and political sensitivity is extremely high. Therefore, regulations have always been developed parallel to the developme

6、nt of this market in many countries. Regulation and supervision of consumer credit markets. In 1968 the USA has adopted Consumer Credit Protection Act (FDIC, Consumer Financial Protection Bureau, 2010) followed by Fair Credit Reporting Act in 1970 (Federal Trade Commission, 2011) and later by Fair Debt Collection Practices Act adopted in 1977 (Bureau of Consumer Protection Business Center, 2010). Three main US credit reporting companies Equifax, Experian, and Trans Union Corporation g