Autori
Resti, AndreaPetrella, GiovanniTitolo
Usura bancaria: i rischi di un'applicazione paradossale e fuorviante della leggePeriodico
Banca impresa societàAnno:
2017 - Volume:
36 - Fascicolo:
1 - Pagina iniziale:
123 - Pagina finale:
140In this note we deal with the process of verifying whether a lending rate exceeds the threshold rate set by the Italian anti-usury law, with a special focus on some methodological issues. Since some years, such a verification has been increasingly carried out on the basis of a formula for the lending rate that differs from the one dictated by the Bank of Italy. We show that such an approach - where the lending rate and the threshold rate are computed on the basis of two different procedures - proves unreliable as it is affected by significant mistakes and may lead to paradoxical results.
SICI: 1120-9453(2017)36:1<123:UBIRDU>2.0.ZU;2-S
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