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The Law and Economics of Secured Lending

Uitgever: Intersentia
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How can it be that people and businesses are ever unable to obtain credit? Why do lenders not simply increase the interest rate for high-risk borrowers? And if increased interest rates can't solve the problem, then surely the use of collateral can?
As it turns out, things are not that simple. It seems that the laws of supply and demand do not fully apply to the credit market: low interest rates

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