Moving Forward: The Future of Consumer Credit and Mortgage Finance
商品資訊
商品簡介
The recent collapse of the mortgage market revealed fractures in the credit market that have deep roots in the system's structure, conduct, and regulation. The time has come for a clear-eyed assessment of what happened and how the system should be strengthened and restructured. Such reform will have a profound and lasting impact on the capacity of Americans to use credit to build assets and finance consumption.
Moving Forward explores what caused the crisis and, more important, focuses on the path ahead. The challenge remains the same as ever: protect consumers, ensure fairness, and guarantee soundness of the financial system without stifling innovation and overly restricting access to credit and consumer choice. Nicolas Retsinas, Eric Belsky, and their colleagues aim to stimulate debate based on analysis of the opportunities and challenges presented by the various components of global capital markets: financial engineering, risk assessment and management, specialization of financial intermediation, and marketing methods. The contributors ?leaders in business, government, academia, and the nonprofit sector ?discuss new research and ideas about the future of credit markets, including how improvements might be shaped by industry leaders.
Contributors: John Y. Campbell, Harvard University; Marsha J. Courchane, CharlesRiver Associates; Ren Essene, Federal Reserve Board; Allen Fishbein, Federal Reserve Board; Howell E. Jackson, Harvard Law School; Melissa Koide, Center for Financial Services Innovation; Michael Lea, San Diego State University; Eugene Ludwig, Promontory Financial Group; Brigitte C. Madrian, Harvard Kennedy School; Nela Richardson, Joint Center for Housing Studies of Harvard University; Rachel Schneider, Center for Financial Services Innovation; Peter Tufano, Harvard Business School; Peter M. Zorn, Freddie Mac
作者簡介
Nicolas P. Retsinas is a senior lecturer in real estate at the Harvard Business Schoolwhere he teaches courses in housing finance and real estate in emerging markets. He isalso director emeritus of the Joint Center for Housing Studies of Harvard University.
Eric S. Belsky is managing director of the Joint Center for Housing Studies of HarvardUniversity and lecturer in urban planning and design at the Harvard Graduate School ofDesign. Together Retsinas and Belsky have edited four previous books copublished by the Joint Center and the Brookings Institution Press.
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