The Politics of Consumer Credit in the UK, 1938-1992 PDF Download
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Author: Stuart Aveyard
Publisher: Oxford University Press
ISBN: 0191046108
Category : History
Languages : en
Pages : 224
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Book Description
As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.
Author: Stuart Aveyard
Publisher: Oxford University Press
ISBN: 0191046108
Category : History
Languages : en
Pages : 224
Get Book Here
Book Description
As early as the 1930s, Britain had a highly innovative and profitable mortgage sector that promoted a major extension in home ownership. These controversial and risky offerings had an equivalent in numerous hire purchase agreements, with which new homes were furnished. Such developments were forerunners of the 'easy credit' regime more commonly associated with the 1980s. Taking a long-term perspective on this issue indicates that Britain's departure from European models of consumer credit markets was not simply a by-product of neoliberalism's influence on the Thatcher administration, and this book offers a much fuller explanation to the phenomenon. It explores debates within and between the major political parties; reveals the infighting amongst civil service departments over management of consumer demand; charts the varying degrees of influence wielded by the Bank of England and finance capital, as opposed to that of consumer durable manufacturers; reviews the perspectives of consumers and their representatives; and explains the role of contingency and path dependency in these historical events. The central focus of this book is on consumer credit, but this subject provides a case study through which to explore numerous other important areas of British history. These include debates on the issues of post-war consensus, the impact of rising home ownership and its impact on consumer credit and personal finance markets, the management of consumer society, political responses to affluence, the development of consumer protection policy, and the influence of neoliberalism.
Author: Katharina Steinbrück
Publisher: Nomos Verlag
ISBN: 3748926553
Category : Law
Languages : en
Pages : 428
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Book Description
Dem britischen Gesetzgeber eröffnen sich durch den weitgehenden Wegfall von Bindung an EU-Recht im Verbraucherrecht neue regulatorische Möglichkeiten. Dieses Werk widmet sich der Frage, ob Normen des bisher von der EU bestimmten Verbraucherkredit- und AGB-Rechts beibehalten oder geändert werden sollten. Eine historische Analyse beantwortet die Frage, inwieweit EU-Recht in der Vergangenheit durch das Vereinigte Königreich gestaltet und rezipiert wurde. Auf Grundlage einer umfassenden rechtsvergleichenden Betrachtung wird zudem analysiert, ob alternative europäische Kooperationsmodelle mehr regulatorischen Freiraum bieten und die (Nicht-) Umsetzung von Verbraucherrecht als Vorbild für neue Regulierung im Vereinigten Königreich dienen könnte.
Author: Aled Davies
Publisher: UCL Press
ISBN: 178735685X
Category : History
Languages : en
Pages : 396
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Book Description
The late twentieth and early twenty-first centuries are commonly characterised as an age of ‘neoliberalism’ in which individualism, competition, free markets and privatisation came to dominate Britain’s politics, economy and society. This historical framing has proven highly controversial, within both academia and contemporary political and public debate. Standard accounts of neoliberalism generally focus on the influence of political ideas in reshaping British politics; according to this narrative, neoliberalism was a right-wing ideology, peddled by political economists, think-tanks and politicians from the 1930s onwards, which finally triumphed in the 1970s and 1980s. The Neoliberal Age? suggests this narrative is too simplistic. Where the standard story sees neoliberalism as right-wing, this book points to some left-wing origins, too; where the standard story emphasises the agency of think-tanks and politicians, this book shows that other actors from the business world were also highly significant. Where the standard story can suggest that neoliberalism transformed subjectivities and social lives, this book illuminates other forces which helped make Britain more individualistic in the late twentieth century. The analysis thus takes neoliberalism seriously but also shows that it cannot be the only explanatory framework for understanding contemporary Britain. The book showcases cutting-edge research, making it useful to researchers and students, as well as to those interested in understanding the forces that have shaped our recent past.
Author: Amy Edwards
Publisher: Univ of California Press
ISBN: 0520385462
Category : Business & Economics
Languages : en
Pages : 383
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Book Description
'A wonderful growth' : investment culture from 1840 to 1980 -- Over the counter : speculation and the small investor -- Shopping for shares: The rise of financial consumerism -- 'The moneymen's Sunday sermon': the making of a mass-market financial advice industry -- Yuppies : finance and investment in popular culture -- Are we rich yet? : investment clubs and investor activism.
Author: Mario Keller
Publisher: Walter de Gruyter GmbH & Co KG
ISBN: 3110747677
Category : Business & Economics
Languages : en
Pages : 247
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Book Description
In western societies today, it goes almost without saying that sex and consumption are closely related. On the one hand, there is a plethora of commercial goods and services that shape sexual desires, and practices. On the other, there are scarcely any products or services that do not lend themselves to sexually charged advertising and mass media communication. This volume focuses on forms of hybridization of these equally suggestive notions.
Author: Janice Morphet
Publisher: Policy Press
ISBN: 1529209625
Category : Political Science
Languages : en
Pages : 258
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Book Description
In this comprehensive account, Janice Morphet analyses the role and use of outsourcing within the UK public sector since the mid-1970s. Morphet examines the many drivers for the use of outsourcing in the public sector, including international agreements, new public management, performativity and austerity. She also takes in to account the role and failures of the private sector and its response to the opening up of public sector competition. By investigating the way that outsourcing has been used in different service sectors and across scales, the book illustrates the impact it has had on ideology, policy narratives and public expectations in the present.
Author: Hugh Pemberton
Publisher: Manchester University Press
ISBN: 1526146517
Category : Political Science
Languages : en
Pages : 366
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Book Description
This book examines the Thatcher government’s attempt to revolutionise Britain’s pensions system in the 1980s and create a nation of risk-taking savers with an individual stake in capitalism. Drawing upon recently-released archival records, it shows how the ideas motivating these reforms journeyed from the writings of neoliberal intellectuals into government and became the centrepiece of a plan to abolish significant parts of the UK’s welfare state and replace these with privatised personal pensions. Revealing a government that veered between political caution and radicalism, the book explains why this revolution failed and charts the malign legacy left by the evolutionary changes that ministers salvaged from the wreckage of their reforms. The book contributes to understanding of policy change, Thatcherism, and international neoliberalism by showing how major reforms to social security could reflect neoliberal thought and yet profoundly disappoint their architects.
Author: Sean H. Vanatta
Publisher: Yale University Press
ISBN: 0300247346
Category : Business & Economics
Languages : en
Pages : 412
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Book Description
How bankers created the modern consumer credit economy and destroyed financial stability in the process American households are awash in expensive credit card debt. But where did all this debt come from? In this history of the rise of postwar American finance, Sean H. Vanatta shows how bankers created our credit card economy and, with it, the indebted nation we know today. America's consumer debt machine was not inevitable. In the years after World War II, state and federal regulations ensured that many Americans enjoyed safe banks and inexpensive credit. Bankers, though, grew restless amid restrictive rules that made profits scarce. They experimented with new services and new technologies. They settled on credit cards, and in the 1960s mailed out reams of high-interest plastic to build a debt industry from scratch. In the 1960s and '70s consumers fought back, using federal and state policy to make credit cards safer and more affordable. But bankers found ways to work around local rules. Beginning in 1980, Citibank and its peers relocated their card plans to South Dakota and Delaware, states with the weakest consumer regulations, creating "on-shore" financial havens and drawing consumers into an exploitative credit economy over which they had little control. We live in the world these bankers made.
Author: Paul Corthorn
Publisher: Oxford University Press
ISBN: 0198747152
Category : Great Britain
Languages : en
Pages : 250
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Book Description
Best known for his notorious 'Rivers of Blood' speech in 1968 and his outspoken opposition to immigration, Enoch Powell was one of the most controversial figures in British political life in the second half of the twentieth century and a formative influence on what came to be known as Thatcherism. Telling the story of Powell's political life from the 1950s onwards, Paul Corthorn's intellectual biography goes beyond a fixation on the 'Rivers of Blood' speech to bring us a man who thought deeply about - and often took highly unusual (and sometimes apparently contradictory) positions on - the central political debates of the post-1945 era: denying the existence of the Cold War (at one stage going so far as to advocate the idea of an alliance with the Soviet Union); advocating free-market economics long before it was fashionable, while remaining a staunch defender of the idea of a National Health Service; vehemently opposing British membership of the European Economic Community; arguing for the closer integration of Northern Ireland with the rest of the UK; and in the 1980s supporting the campaign for unilateral nuclear disarmament. In the process, Powell emerges as more than just a deeply divisive figure but as a seminal political intellectual of his time. Paying particular attention to the revealing inconsistencies in Powell's thought and the significant ways in which his thinking changed over time, Corthorn argues that Powell's diverse campaigns can nonetheless still be understood as a coherent whole, if viewed as part of a long-running, and wide-ranging, debate set against the backdrop of the long-term decline in Britain's international, military, and economic position in the decades after 1945.
Author: Jack Copley
Publisher: Oxford University Press
ISBN: 0192897012
Category : Political Science
Languages : en
Pages : 202
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Book Description
Capitalism has become 'financialized'. Since the 1970s, the swelling of financial markets and asset price bubbles has occurred alongside weaker underlying economic growth. Yet financialization was not a spontaneous market development - it was deeply political. States fuelled this process through policies of financial liberalization, and the British state lies at the heart of the story. Britain's radical financial liberalizations in the 1970s and 1980s were instrumental in creating a financialized global economic order in which the City of London emerged as a central hub. But why did the British state propel financialization? The conventional wisdom points to the lobbying power of financial elites and the strength of neoliberal ideology. However, Governing Financialization offers an alternative explanation through an in-depth exploration of declassified state archives. By examining key financial liberalizations in the 1970s and 1980s - including the notorious 'Big Bang' - this book argues that these policies were not part of an intentional scheme to create a new finance-led economic model. Instead, they were designed to address immediate governing dilemmas related to the grinding 'stagflation' crisis and its aftershocks. In this era, British governments found themselves trapped between global competitive pressures to enforce painful domestic adjustment and national political pressures to maintain existing living standards. Financial liberalization was pursued in a trial-and-error manner to navigate this dilemma. By unleashing financial markets, the state hoped to either postpone the worst effects of the crisis, or enact tough economic restructuring in an arm's-length fashion. Financialization was an accidental outcome, not an intentional result.
