ausgrenzung bank bankruptcy bus027000pol002000his000000 business cityplanning consumercredit consumerprotection consumption(economics) debtorandcreditor economics europeanunioncountries finance financialservicesindustry finanzdienstleistung foreclosure general gesellschaft history insolvenz kreditmarkt lawandlegislation low-incomeconsumers marginality politicalscience publicpolicy rücklage savingandinvestment social urbandevelopment überschuldung überschuldung