The sovereign debt crisis that isn't: Or, How to turn a lending crisis into a spending crisis and pocket the spread. ACES Cases No. 2014.1

It’s a testament to the power of ideas in politics that the ongoing policy disaster in Europe is still referred to, by academic as well as popular commentators, as the European Sovereign Debt Crisis. That there was a crisis in European sovereign debt markets in 2010 through the middle of 2012 is not in doubt. That is was a crisis of European sovereign debt markets generated by ‘too much spending’ should be very much in doubt. The ongoing European economic crisis is in fact a transmuted private sector banking crisis first exacerbated and then calmed by central bank policy, the costs of which have been asymmetrically distributed across European mass publics.

The Business Models and Economics of Peer-to-Peer lending. ECRI Research Report No 17, May 2016

This paper reviews peer-to-peer (P2P) lending, its development in the UK and other countries, and assesses the business and economic policy issues surrounding this new form of intermediation. P2P platform technology allows direct matching of borrowers’ and lenders’ diversification over a large number of borrowers without the loans having to be held on an intermediary balance sheet. P2P lending has developed rapidly in both the US and the UK, but it still represents a small fraction, less than 1%, of the stock of bank lending. In the UK – but not elsewhere – it is an important source of loans for smaller companies. We argue that P2P lending is fundamentally complementary to, and not competitive with, conventional banking. We therefore expect banks to adapt to the emergence of P2P lending, either by cooperating closely with third-party P2P lending platforms or offering their own proprietary platforms. We also argue that the full development of the sector requires much further work addressing the risks and business and regulatory issues in P2P lending, including risk communication, orderly resolution of platform failure, control of liquidity risks and minimisation of fraud, security and operational risks. This will depend on developing reliable business processes, the promotion to the full extent possible of transparency and standardisation and appropriate regulation that serves the needs of customers.

La "glottophobie" selon Philippe Blanchet : une nouvelle forme de discrimination ?

Il presente elaborato affronta il tema della discriminazione linguistica, i cui tratti essenziali vengono riassunti da Philippe Blanchet con il termine di "glottophobie". Lungo i secoli vi sono stati numerosi tentativi d'imporre una norma linguistica unica, a detrimento di qualsiasi altra variante. Questa stigmatizzazione ha portato e porta tuttora a veri e propri casi di discriminazione linguistica, nei quali viene impedito al parlante di utilizzare la propria lingua per esprimersi. In questo elaborato si è voluto analizzare il fenomeno della "glottophobie", tentando innanzitutto di darne una definizione e di tracciarne i tratti essenziali. Secondariamente, si è ripercorsa la politica linguistica nazionale francese, in gran parte responsabile di atti di discriminazione linguistica, compiuti per mezzo di vari strumenti, come la scuola, i media o l'amministrazione pubblica. Infine, ci si è soffermati sull'analisi dell'opera di Philippe Blanchet (Discriminations : combattre la glottophobie), con l'obiettivo di dimostrare, anche tramite esempi concreti, che la discriminazione linguistica è una vera e propria forma di discriminazione.

To eliminate employment discrimination : a sequel : the Federal civil rights enforcement effort--1977 : a report /

A sequel to v. 5 of its The Federal civil rights enforcement effort--1974.

Catalogue of the central lending library.

Mode of access: Internet.

Discrimination against Chicanos in the Dallas rental housing market : an experimental extension of the housing market practices survey /

"HUD-PDR-469."

Discrimination against minorities and women in pensions and health, life, and disability insurance.

Includes bibliographical references.

An Assessment of FHA's Section 203 (b) program : a comparison with private mortgage insurance /

"HUD-1087-PDR"--P. [4] of cover.