哈佛paper代写:克劳瑟委员会发表报告

2017-04-23 00:20

当然，自从克劳瑟委员会发表报告以来，消费信贷业的发展也有了显著的发展和成熟。我们将考虑如何修改该法案，以反映这些变化在过去的三年。通过最初的例子，当克劳瑟委员会正在调查信用消费的主要形式，信用透支，由客户同意银行的客户将能够利用的资金达到约定的金额，银行没有在银行实际拥有的钱；分期付款购买，销售和信贷条件销售协议。也许最重要的发展，在这方面的行动自成立以来的增长，和当代几乎无处不在，信用卡。到1974幕最显著的修改造成2001出版贸易和工业部门进行了咨询，题为“解决高利贷和更多”。我们首先考虑最常见的一种消费信贷作为一个案例研究，看着这些安排的1974行为的影响。该协议是购买协议，它基本上允许消费者购买商品和分期付款，但与零售商享受立即全额付款。这是通过引入三分之一方进行，这通常是一个融资公司，他们实际上是在合同，购买的商品从零售商和预先付费，然后消费者合同的融资公司从该公司购买的商品，支付公司在分期付款。这允许零售商支付所有的供应商，同时允许消费者的灵活性，分期付款的货物，否则他们可能无法负担得起。当然，融资公司需要一笔费用，从而从安排中受益。有，那么，参与租购合同两元素；首次雇佣合同（称为“寄托”）的产品，和贝莉的选择（即货物的租船人）购买货物。
哈佛paper代写:克劳瑟委员会发表报告
There have, of course, been significant developments and increases in the sophistication of the consumer credit industry since the Crowther Committee produced its report, and since the inception of the Act. We will consider how the Act has been amended to reflect these changes over the last three decades. by way of initial example, when the Crowther Committee was investigating consumer credit, the principal forms of credit were the overdraft, by which customers agreed with their banks that the customer would be able to draw money up to an agreed amount from that bank without actually having the money in the bank; hire purchases, conditional sale and credit sale agreements. Perhaps the most significant development in this area since the inception of the Act is the growth, and contemporary near-ubiquity, of credit cards. The most marked amendments to the 1974 Act resulted from a consultation conducted by the Department of Trade and Industry published in 2001 entitled “Tackling Loan Sharks and More”.We will begin by considering one of the most familiar consumer credit arrangements as a case study, and looking at the effect on these arrangements of the 1974 Act. The agreement is the hire purchase agreement, which essentially allows the consumer to purchase goods and pay in instalments, but with the retailer enjoying immediate full payment. This is done through the introduction of a third party, which is usually a finance company, who in fact contracts to purchase the goods from the retailer and pay up front, and then the consumer contracts with the finance company to buy the goods from that company, and pay the company back in instalments. This allows the retailer to pay all his suppliers on time while allowing the consumer the flexibility of instalment payments for goods which they might otherwise be unable to afford. The finance company, of course, takes a fee and thus benefits from the arrangement. There are, then, two elements involved in the hire purchase contract; firstly the contract for the hire (known as “bailment”) of the goods, and the option for the bailee (that is, the hirer of the goods) to purchase the goods.

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