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- Consumer_debt abstract "In economics, consumer debt is outstanding debt of consumers, as opposed to that of businesses or governments. In macroeconomic terms, it is debt which is used to fund consumption rather than investment. It includes debts incurred on purchase of goods that are consumable and/or do not appreciate.In recent years, an alternative analysis might view consumer debt as a way to increase domestic production, on the grounds that if credit is easily available, the increased demand for consumer goods should cause an increase of overall domestic production. The permanent income hypothesis suggests that consumers take debt to smooth consumption throughout their lives, borrowing to finance expenditures (particularly housing and schooling) earlier in their lives and paying down debt during higher-earning periods.Both domestic and international economists have supported a recent upsurge in South Korean consumer debt, which has helped fuel economic expansion. On the other hand, credit card debt is almost unknown just across the sea in Japan and China, because of long-standing cultural taboos against personal debt. Theoretical underpinnings aside, personal debt is on the rise, particularly in the United States and the United Kingdom. However, according to the US Federal Reserve, the US household debt service ratio is at the lowest level since its peak in the Fall of 2007.The most common forms of consumer debt are credit card debt, payday loans, and other consumer finance, which are often at higher interest rates than long-term secured loans, such as mortgages. The amount of debt outstanding versus the consumer's disposable income is expressed as the consumer leverage ratio. The interest rate charged depends on a range of factors, including the economic climate, perceived ability of the customer to repay, competitive pressures from other lenders, and the inherent structure and security of the credit product. Rates generally range from 0.25 percent above base-rate, to well into double figures. Consumer debt is also associated with Predatory lending, although there is much debate as to what exactly constitutes predatory lending.Long-term consumer debt is often considered fiscally suboptimal. While some consumer items may be useful investments that justify debt (such as automobiles, which are usually but not always exempted in discussions of consumer debt), most consumer goods are not. For example, incurring high-interest consumer debt through buying a big-screen television \"now\", rather than saving for it, can not usually be financially justified by the subjective benefits of having the television early. On the other hand, personal finance advisers like Robert Kiyosaki encourage a more liberal attitude towards taking on debt if it can be leveraged into a small business or real estate. In many countries, the ease with which individuals can accumulate consumer debt beyond their means to repay has precipitated a growth industry in debt consolidation and credit counseling.".
- Consumer_debt wikiPageExternalLink 3689.
- Consumer_debt wikiPageExternalLink default.stm.
- Consumer_debt wikiPageExternalLink default.htm.
- Consumer_debt wikiPageID "650198".
- Consumer_debt wikiPageLength "4463".
- Consumer_debt wikiPageOutDegree "31".
- Consumer_debt wikiPageRevisionID "706581696".
- Consumer_debt wikiPageWikiLink Alternative_financial_services.
- Consumer_debt wikiPageWikiLink Category:Debt.
- Consumer_debt wikiPageWikiLink Category:Financial_economics.
- Consumer_debt wikiPageWikiLink Category:Macroeconomics.
- Consumer_debt wikiPageWikiLink Consumer_credit_risk.
- Consumer_debt wikiPageWikiLink Consumer_leverage_ratio.
- Consumer_debt wikiPageWikiLink Consumerism.
- Consumer_debt wikiPageWikiLink Consumption_(economics).
- Consumer_debt wikiPageWikiLink Consumption_smoothing.
- Consumer_debt wikiPageWikiLink Credit_card_debt.
- Consumer_debt wikiPageWikiLink Credit_counseling.
- Consumer_debt wikiPageWikiLink Debt.
- Consumer_debt wikiPageWikiLink Debt_consolidation.
- Consumer_debt wikiPageWikiLink Debt_service_ratio.
- Consumer_debt wikiPageWikiLink Economic_liberalism.
- Consumer_debt wikiPageWikiLink Economics.
- Consumer_debt wikiPageWikiLink Interest_rate.
- Consumer_debt wikiPageWikiLink Investment.
- Consumer_debt wikiPageWikiLink Loan.
- Consumer_debt wikiPageWikiLink Macroeconomics.
- Consumer_debt wikiPageWikiLink Mortgage_loan.
- Consumer_debt wikiPageWikiLink Payday_loan.
- Consumer_debt wikiPageWikiLink Permanent_income_hypothesis.
- Consumer_debt wikiPageWikiLink Post-Keynesian_economics.
- Consumer_debt wikiPageWikiLink Predatory_lending.
- Consumer_debt wikiPageWikiLink Real_estate.
- Consumer_debt wikiPageWikiLink Robert_Kiyosaki.
- Consumer_debt wikiPageWikiLink South_Korea.
- Consumer_debt wikiPageWikiLinkText "Consumer debt".
- Consumer_debt wikiPageWikiLinkText "consumer debt".
- Consumer_debt wikiPageWikiLinkText "debt".
- Consumer_debt wikiPageWikiLinkText "household indebtedness".
- Consumer_debt wikiPageWikiLinkText "private debt".
- Consumer_debt wikiPageUsesTemplate Template:Consumer_behaviour.
- Consumer_debt wikiPageUsesTemplate Template:Consumer_debt.
- Consumer_debt wikiPageUsesTemplate Template:Debt.
- Consumer_debt wikiPageUsesTemplate Template:Derivatives_market.
- Consumer_debt wikiPageUsesTemplate Template:Finance_sidebar.
- Consumer_debt wikiPageUsesTemplate Template:For.
- Consumer_debt wikiPageUsesTemplate Template:Refimprove.
- Consumer_debt wikiPageUsesTemplate Template:Reflist.
- Consumer_debt subject Category:Debt.
- Consumer_debt subject Category:Financial_economics.
- Consumer_debt subject Category:Macroeconomics.
- Consumer_debt hypernym Debt.
- Consumer_debt type Bank.
- Consumer_debt comment "In economics, consumer debt is outstanding debt of consumers, as opposed to that of businesses or governments. In macroeconomic terms, it is debt which is used to fund consumption rather than investment.".
- Consumer_debt label "Consumer debt".
- Consumer_debt sameAs Q2308159.
- Consumer_debt sameAs قرض_استهلاك.
- Consumer_debt sameAs Deute_privat.
- Consumer_debt sameAs Dette_privée.
- Consumer_debt sameAs Debito_al_consumo.
- Consumer_debt sameAs m.02_kh1.
- Consumer_debt sameAs நுகர்வோர்_கடன்.
- Consumer_debt sameAs Q2308159.
- Consumer_debt wasDerivedFrom Consumer_debt?oldid=706581696.
- Consumer_debt isPrimaryTopicOf Consumer_debt.