Financing the American Dream 在线电子书 pdf 下载 txt下载 epub 下载 mobi 下载 2024

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Lendol Calder 作者

Princeton University Press

译者

2001 出版日期

400 页数

GBP 26.95 价格

Paperback

丛书系列

9780691074559 图书编码

Financing the American Dream 在线电子书图书标签: 金融社会学经济文化借贷历史美国消费文化 finance economics

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发表于2024-12-22

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Financing the American Dream 在线电子书 epub 下载 mobi 下载 pdf 下载 txt 下载 2024

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Work Hard Play Hard的美式生活哲学的财务诠释。这是一本精彩的历史与社会学著作，勾勒了美国现代消费信贷文化的起源与演化，也细述了美国早期信贷产业发展史。作者在该书前四分之三部分展现出了其对宏观事件、规律与个案实践之间关系的惊人洞察力，同时其对产业演变资料以及公共舆论资料的整理与运用，也堪为学习榜样。在“”叙“之外，本书最后四分之一及后记部分，是全书“论”的高潮与精彩之处。作者试图颠覆——或至少复杂化人们对于“信贷购买分期偿付”的经济功能与社会意义，并进而提炼出植根于信贷制度与文化的美国消费文化的内核所在。允许消费者先行享用商品与服务，而分期延后支付价款的实践模式与相应形成的社会文化，缔造了一种新型的享乐主义：约束消费与支出的不再是消费者自我，而是成本高昂的消费信贷制度。

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美国二战前消费金融史，特别是分期付款。从农机具、缝纫机，到汽车。为了直接销量或间接刺激别的消费，各种企业参与到消费贷款。大萧条时期国家和银行介入，开始抵押房贷时代。一边房贷一边日常消费贷成为美国“中产阶级”的必备。有大量分析消费者对借贷的态度。

Financing the American Dream 在线电子书著者简介

伦德尔·卡尔德（Lendol Calder），芝加哥大学博士，先后在华盛顿大学、科尔比索耶学院校任教，现为美国奥古斯塔纳学院副教授。

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Financing the American Dream 在线电子书图书描述

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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