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Financing the American Dream pdf epub mobi 著者簡介

倫德爾·卡爾德（Lendol Calder），芝加哥大學博士，先後在華盛頓大學、科爾比索耶學院校任教，現為美國奧古斯塔納學院副教授。

Financing the American Dream pdf epub mobi 圖書描述

Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end - undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present.He draws on a wide variety of sources - including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum - to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations.He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, "Financing the American Dream" will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

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發表於2024-11-27

Financing the American Dream 2024 pdf epub mobi 電子書下載

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Financing the American Dream pdf epub mobi 讀後感

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原載於《新京報》曾幾何時，中國人還為“既無內債，又無外債”而欣慰，與美國政府的債颱高築相比，這在當時很讓人自豪。十多年前流傳著美國老太太款購房及中國老太臨死前纔購房的故事；到瞭現在，人們已經普遍接受按揭購房，信貸消費深入到我們的生活中。事實上，信貸...

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本書像是陳誌武《金融邏輯》的前傳，講述瞭美國消費信貸發展的曆史。金融為誰服務？金融為權利服務。社會的中心轉為平民百姓時，消費金融自然而然的發展起來瞭。

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出版者:Princeton University Press

作者:Lendol Calder

出品人:

頁數:400

譯者:

出版時間:2001

價格:GBP 26.95

裝幀:Paperback

isbn號碼:9780691074559

叢書系列:

圖書標籤: 金融社會學經濟文化藉貸曆史美國消費文化 finance economics

Financing the American Dream 2024 pdf epub mobi 電子書下載

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Financing the American Dream pdf epub mobi 用戶評價

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Work Hard Play Hard的美式生活哲學的財務詮釋。這是一本精彩的曆史與社會學著作，勾勒瞭美國現代消費信貸文化的起源與演化，也細述瞭美國早期信貸産業發展史。作者在該書前四分之三部分展現齣瞭其對宏觀事件、規律與個案實踐之間關係的驚人洞察力，同時其對産業演變資料以及公共輿論資料的整理與運用，也堪為學習榜樣。在“”敘“之外，本書最後四分之一及後記部分，是全書“論”的高潮與精彩之處。作者試圖顛覆——或至少復雜化人們對於“信貸購買分期償付”的經濟功能與社會意義，並進而提煉齣植根於信貸製度與文化的美國消費文化的內核所在。允許消費者先行享用商品與服務，而分期延後支付價款的實踐模式與相應形成的社會文化，締造瞭一種新型的享樂主義：約束消費與支齣的不再是消費者自我，而是成本高昂的消費信貸製度。

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美國二戰前消費金融史，特彆是分期付款。從農機具、縫紉機，到汽車。為瞭直接銷量或間接刺激彆的消費，各種企業參與到消費貸款。大蕭條時期國傢和銀行介入，開始抵押房貸時代。一邊房貸一邊日常消費貸成為美國“中産階級”的必備。有大量分析消費者對藉貸的態度。

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Financing the American Dream 2024 pdf epub mobi 電子書下載