Consumers' Choice of Consumer Loan Contract TermsCredit Research Center, Krannert Graduate School of Management, Purdue University, 1985 - Automobiles - 74 pages |
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1979 Creditors Survey adjustable-payment loan adjustable-rate contracts Adjustable-Rate Fixed-payment Adjustable-payment adjustable-rate loan customers adverse selection bias annual percentage rate auto loan rates AVERAGE financial gains choice of loan Consumer Credit Consumer Lending consumers choosing CRC 1979 Creditors CRC Adjustable-rate Study Credit Research Center credit risk CREDIT SCORE DISTRIBUTION Creditors Survey MONOGRAPH CURRENT LEVEL direct loan discriminant model economic expectations EXHIBIT Finance Companies financial risks expecting FIXED MONTHLY OBLIGATIONS fixed monthly payments fixed-rate contracts Fixed-Rate Group Function future inflation Group I Fixed-Rate Group II Group Group III Adjustable-Rate Groups significantly different household Impact Income grow interest rate risk Journal of Finance Journal of Retail lenders less than inflation level of confidence loan contract terms monthly income nonrespondents percent level Purdue University questionnaire Rate Ceilings rate of inflation RATES FOR AUTO real income REPRINT respondents Revolving Credit Richard L risk averse risk preferences Robert W sample three groups variables West Lafayette