Latest ECRI News

ECRI has published the Summer edition of its quarterly Newsletter. The issue includes, inter alia, the key findings of the 2010 ECRI Statistical Package, the institute's flagship publication on consumer credit and housing loans in Europe. In addition, the newsletter covers the second meeting of the CEPS/ECRI Task Force on retail credit in Europe and features an article on the Flash Eurobarometer's survey on financial vulnerability of European households.

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The European Credit Research Institute (ECRI) has just published the 2010 version of its annual Statistical Package, a comprehensive collection of data on lending to households, covering all European countries and other key global economies for the period 1995-2009. Its purpose is to allow users to make reliable comparisons of the retail credit market across countries, including consumer credit, housing loans and loans to non-financial corporations.

The European Credit Research Institute (ECRI) has published the 2010 edition of its Statistical Packages. Since 2003, ECRI has published a highly authoritative, widely cited and complete set of statistics on consumer credit in Europe, a valuable research tool which allows users to make meaningful comparisons between all 27 EU member states as well as with a number of selected non-EU countries, including the US and Canada.

ECRI has published the Spring edition of its quarterly Newsletter. The issue includes, inter alia, a summary of a paper on cross-border depositing by Stefanie Kleimeier from Maastricht University, as well as coverage of the ECRI breakfast meeting on the launch of the European Payment Index and the discussion of the Late Payment Directive.

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This ECRI report brings together in a single volume the excellent contributions presented at the high-level conference on “The Future of Retail Banking in Europe: Competition and Regulatory Challenges” held at CEPS on the 10th of June 2009. The conference was jointly organized by ECRI and the Deutsche Institut für Wirtschaftsforschung (DIW Berlin) and coincided with the 10th anniversary of the founding of ECRI.

Within the context of discussions on the best way forward as regards responsible lending and borrowing in Europe, CEPS/ECRI will launch a new Task Force that will look at how the EU could most efficiently respond to the challenges posed and deficiencies revealed by the financial crisis in the area of retail credit.

Information asymmetries can severely limit the cross-border border expansion of banks, if entering banks can only obtain incomplete information about potential new clients. Such asymmetries are reduced by credit registers, which distribute financial data on bank clients.

The newsletter includes articles on recent developments in Europe, for instance the SEPA implementation, study on current account fees and discussions on the E-Money Directive, and the US, as well as the coverage of the ECRI event in October 2009 on responsible lending and financial education.

The Autumn issue of the ECRI News can be downloaded here.

ECRI has published the Summer 2009 version of its Newsletter.

It includes, among other things, a Commentary by ECRI Head of Research Nicola Jentzsch on the publication of the report of the Commission's Expert Group on Credit Histories as well as the main findings of the 2009 ECRI Statistical Package, a comprehensive dataset on lending to households in Europe.

To download ECRI News, please click here: