Households And Financialization In Europe

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Households and Financialization in Europe

Marek Mikuš,Petra Rodik
Households and Financialization in Europe Book PDF

Author : Marek Mikuš,Petra Rodik
Publisher : Routledge
Page : 186 pages
File Size : 43,6 Mb
Release : 2021-06-10
Category : Business & Economics
ISBN : 9781000393972

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Households and Financialization in Europe by Marek Mikuš,Petra Rodik Pdf

Households and Financialization in Europe develops a processual, relational and critical transdisciplinary approach to household financialization in Europe, utilizing a range of national and local case studies. It does so by drawing on debates in Marxist, feminist and radical IPE, anthropology and other fields. The book explores the household as simultaneously a micro-level social institution specializing in social reproduction, distribution and other activities; a building bloc of larger economic and social structures; and an object of multiple systems of power/knowledge. Putting this conceptualization to use in original research, the authors identify geographically and historically situated ways in which financialization transforms households and their relationships with the wider economy and society. The book traces these transformations in case studies of variegated financialization in Eastern and Southern European (semi-) peripheries where households have faced particularly severe financial issues since the global financial crisis, such as over-indebtedness and asset devaluation. Key themes recurring throughout the book include: the key role of housing in household financialization, the co-constitutive relationship between financialization and social and spatial inequalities, specific patterns in the relations of financial actors and households in semi-peripheries, and the implications of semi-peripheral forms of real and financial accumulation for household financialization. With its transdisciplinary approach, this book will be of great interest to students and scholars of finance, financialization, household economics, international and global political economy, uneven development, economic anthropology, and economic sociology. The Introduction of this book is freely available as a downloadable Open Access PDF at http://www.taylorfrancis.com under a Creative Commons Attribution CC-BY 4.0 license.

Financialisation in the European Periphery

Ana Cordeiro Santos,Nuno Teles
Financialisation in the European Periphery Book PDF

Author : Ana Cordeiro Santos,Nuno Teles
Publisher : Routledge
Page : 237 pages
File Size : 52,6 Mb
Release : 2020-09-03
Category : Business & Economics
ISBN : 9780429801419

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Financialisation in the European Periphery by Ana Cordeiro Santos,Nuno Teles Pdf

In many European countries, the process of financialisation has been exacerbated by the project of closer EU integration and accelerated as a result of austerity policies introduced after the Euro crisis of 2010–2012. However, the impact has been felt differently in core and peripheral countries. This book examines the case of Portugal, and in particular the impact on its economy, work and social reproduction. The book examines the recent evolution of the Portuguese economy, of particular sectors and systems of social provision (including finance, housing and water), labour relations and income distribution. In doing so, it offers a comprehensive critical analysis of varied aspects of capital accumulation and social reproduction in the country, which are crucial to understand the effects of the official ‘bail-out’ of 2011 and associated austerity adjustment program. The book shows how these have increasingly relied on deteriorating pay and working conditions and households’ direct and indirect engagement with the global financial system in new domains of social reproduction. Through its exploration of the Portuguese case, the book presents a general theoretical and methodological framework for the analysis of financialisation processes in peripheral countries. This text is essential reading for students and scholars of political economy, development, geography, international relations and sociology with an interest in examining the uneven mechanisms and impacts of global finance.

Global Finance and Social Europe

John Grahl
Global Finance and Social Europe Book PDF

Author : John Grahl
Publisher : Edward Elgar Publishing
Page : 0 pages
File Size : 47,7 Mb
Release : 2009
Category : Europe
ISBN : 1848448600

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Global Finance and Social Europe by John Grahl Pdf

With global finance reshaping the world economy, this insightful new book provides a full account of the EU's financial integration strategy, together with a critical assessment arguing the case for social control over global finance. Written by acknowledged experts in European finance, this book discusses key issues from finance to general social developments, encompassing social security systems, employment relations, household saving and borrowing, and the question of economic stability. Thus far, America has been pre-eminent both in global financial markets and international banking - so how should the European Union meet this challenge? Global Finance and Social Europe constructively argues that an active response is required and highlights the importance of an integrated European financial system. Aimed at an international audience, this book will strongly appeal to researchers, academics and readers who share an interest in European integration and global economic issues.

Dark Finance

Fabio Mattioli
Dark Finance Book PDF

Author : Fabio Mattioli
Publisher : Stanford University Press
Page : 297 pages
File Size : 53,6 Mb
Release : 2020-06-30
Category : Social Science
ISBN : 9781503612945

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Dark Finance by Fabio Mattioli Pdf

Dark Finance offers one of the first ethnographic accounts of financial expansion and its political impacts in Eastern Europe. Following workers, managers, and investors in the Macedonian construction sector, Fabio Mattioli shows how financialization can empower authoritarian regimes—not by making money accessible to everyone, but by allowing a small group of oligarchs to monopolize access to international credit and promote a cascade of exploitative domestic debt relations. The landscape of failed deals and unrealizable dreams that is captured in this book portrays finance not as a singular, technical process. Instead, Mattioli argues that finance is a set of political and economic relations that entangles citizens, Eurocrats, and workers in tense paradoxes. Mattioli traces the origins of illiquidity in the reorganization of the European project and the postsocialist perversion of socialist financial practices—a dangerous mix that hid the Macedonian regime's weakness behind a façade of urban renewal and, for a decade, made it seem omnipresent and invincible. Dark Finance chronicles how, one bad deal at a time, Macedonia's authoritarian regime rode a wave of financial expansion that deepened its reach into Macedonian society, only to discover that its domination, like all speculative bubbles, was teetering on the verge of collapse.

The Financialisation of the Citizen

Guido Comparato
The Financialisation of the Citizen Book PDF

Author : Guido Comparato
Publisher : Bloomsbury Publishing
Page : 366 pages
File Size : 45,5 Mb
Release : 2018-08-23
Category : Law
ISBN : 9781509919246

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The Financialisation of the Citizen by Guido Comparato Pdf

This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules.

Financialization Of Daily Life

Randy Martin
Financialization Of Daily Life Book PDF

Author : Randy Martin
Publisher : Temple University Press
Page : 241 pages
File Size : 54,9 Mb
Release : 2002-10
Category : Business & Economics
ISBN : 9781439905975

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Financialization Of Daily Life by Randy Martin Pdf

While trillions of dollars came and went in the stock market boom of the 1990s, the image of "every man and woman a CEO" may turn out to be the era's lasting legacy. Business news, once reserved to specialized papers or sections of the larger news of the day, came to the forefront in cable television and in cultural images of how ordinary people, through the internet and other avenues could not only master their financial life, but move money and equity around with the ease of a financial titan. Financialization of Daily Life looks at how this transformation occurred, and how it is just now becoming a significant, and troubling, aspect of our political and cultural life.Randy Martin takes us through all of the aspects of our "financialization." He examines how the shift in economic life arose not only from changes in culture, but also from new policy priorities that emphasize controlling inflation over promoting growth. He offers a close reading of self-help literature that teaches parents how to rear financially literate children and to instruct adults in the fundamentals of fiscal management. He examines just what a society that treats financial investment as a national past time really looks like, and how that society is transforming the world.In a country rocked by scandals in accounting and banking, the identification ordinary citizens make with, and the risk with which they engage in, the stock market calls into question the very basis of our economic system. Randy Martin spells out in clear terms the implications our financial doings—and undoing—have for the way we organize our lives, and, especially, our money.

Financialization and the Economy

Agata Gemzik-Salwach,Krzysztof Opolski
Financialization and the Economy Book PDF

Author : Agata Gemzik-Salwach,Krzysztof Opolski
Publisher : Taylor & Francis
Page : 202 pages
File Size : 48,7 Mb
Release : 2017-07-14
Category : Business & Economics
ISBN : 9781315281520

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Financialization and the Economy by Agata Gemzik-Salwach,Krzysztof Opolski Pdf

There can be no doubt that the influence of the financial sphere has intensified rapidly in recent years, but there is much debate about the effect of that influence. The aftermath of the Financial Crisis has led to numerous discussions of the phenomenon of so-called financialization: the increasing impact of financial institutions on the activity of all business entities; emerging threats related with dynamically developing financial markets and the growing importance of financial themes. In light of these issues, which appear in all economies and touch all entities and every area of economic activity, there is a need for a summary and evaluation of the role of financialization in the world today. This monograph presents the role of financialization in the modern world. It shows positive as well as negative effects of financialization on the stability of the whole economy, the functioning of different types of markets, activity of enterprises, state institutions and behaviours of households. Written by expert contributors, this book plays an important role in the debate concerning future directions of development of the financial sector and financial markets. Financialization and the Economy is of great importance to those who study political economy, macroeconomics and banking.

The Political Economy of Housing Financialization

Gregory W. Fuller
The Political Economy of Housing Financialization Book PDF

Author : Gregory W. Fuller
Publisher : Unknown
Page : 0 pages
File Size : 41,5 Mb
Release : 2019
Category : Finance, Public
ISBN : 1788211006

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The Political Economy of Housing Financialization by Gregory W. Fuller Pdf

Fuller explores the growing role of mortgage markets in the macroeconomy and provides a comparative analysis of housing finance and its growth across a number of European economies and the U.S. The book offers an insightful and timely discussion of the key political-economic consequences of household mortgage debt expansion.

Divested

Ken-Hou Lin,Megan Tobias Neely
Divested Book PDF

Author : Ken-Hou Lin,Megan Tobias Neely
Publisher : Oxford University Press, USA
Page : 241 pages
File Size : 40,7 Mb
Release : 2020-01-06
Category : Business & Economics
ISBN : 9780190638313

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Divested by Ken-Hou Lin,Megan Tobias Neely Pdf

Finance is an inescapable part of American life. From how one pursues an education, buys a home, runs a business, or saves for retirement, finance orders the lives of ordinary Americans. And as finance continues to expand, inequality soars. In Divested, Ken-Hou Lin and Megan Tobias Neely demonstrate why widening inequality cannot be understood without examining the rise of big finance. The growth of the financial sector has dramatically transformed the American economy by redistributing resources from workers and families into the hands of owners, executives, and financial professionals. The average American is now divested from a world driven by the maximization of financial profit. Lin and Neely provide systematic evidence to document how the ascendance of finance on Wall Street, Main Street, and among households is a fundamental cause of economic inequality. They argue that finance has reshaped the economy in three important ways. First, the financial sector extracts resources from the economy at large without providing economic benefits to those outside the financial services industry. Second, firms in other economic sectors have become increasingly involved in lending and investing, which weakens the demand for labor and the bargaining power of workers. And third, the escalating consumption of financial products by households shifts risks and uncertainties once shouldered by unions, corporations, and governments onto families. A clear, comprehensive, and convincing account of the forces driving economic inequality in America, Divested warns us that the most damaging consequence of the expanding financial system is not simply recurrent financial crises but a widening social divide between the have and have-nots.

The Financialization of Housing

Manuel B. Aalbers
The Financialization of Housing Book PDF

Author : Manuel B. Aalbers
Publisher : Routledge
Page : 184 pages
File Size : 40,7 Mb
Release : 2016-05-05
Category : Business & Economics
ISBN : 9781317361787

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The Financialization of Housing by Manuel B. Aalbers Pdf

Due to the financialization of housing in today’s market, housing risks are increasingly becoming financial risks. Financialization refers to the increasing dominance of financial actors, markets, practices, measurements and narratives. It also refers to the resulting structural transformation of economies, firms, states and households. This book asserts the centrality of housing to the contemporary capitalist political economy and places housing at the centre of the financialization debate. A global wall of money is looking for High-Quality Collateral (HQC) investments, and housing is one of the few asset classes considered HQC. This explains why housing is increasingly becoming financialized, but it does not explain its timing, politics and geography. Presenting a diverse range of case studies from the US, the UK, the Netherlands, Germany, Italy and Spain, the chapters in this book include coverage of the role of the state as the driver of financialization processes, and the part played by local and national histories and institutions. This cutting edge volume will pave the way for future research in the area. Where housing used to be something "local" or "national", the two-way coupling of housing to finance has been one crucial element in the recent crisis. It is time to reconsider the financialization of both homeownership and social housing. This book will be of interest to those who study international economics, economic geography and financialization.

Economy and Society in Europe

Luigi Burroni,Maarten Keune,Guglielmo Meardi
Economy and Society in Europe Book PDF

Author : Luigi Burroni,Maarten Keune,Guglielmo Meardi
Publisher : Edward Elgar Publishing
Page : 257 pages
File Size : 41,6 Mb
Release : 2012
Category : Business & Economics
ISBN : 9781849805810

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Economy and Society in Europe by Luigi Burroni,Maarten Keune,Guglielmo Meardi Pdf

'Drawing on the development of economic sociology over the past 40 years, this book brings together leading scholars to explore the relationship between social institutions on economic processes. Inspired in particular by the innovative and creative dimensions of Colin Crouch's work, they signpost directions for future research. It will be an important reader for international scholars exploring the unfolding dimensions of contemporary relations in economy and society.' Jacqueline O'Reilly, University of Brighton Business School, UK 'Improving our understanding of how economy and society interrelate in Europe is of paramount importance. The rigorous and thought-provoking analyses about the interaction between markets and the institutions of society contained in this book undoubtedly represent an excellent example of how this improvement can be achieved, especially in these times of crisis.' Andrés Rodríguez-Pose, London School of Economics, UK 'This book offers a refreshing account of the deep changes occurring over recent years in the relationship between economy and society in Europe. This is of course a classical theme since Max Weber's work, but the social institutions which shape economic performance have profoundly evolved, as have the analytical categories used to understand them. The contributions in this volume provide a broad and interesting perspective, dealing with issues as varied as industrial relations, welfare regimes, families and the labour market, universities, local governance and many others. In the wake of the financial crisis, the major theories on the role of such institutions are found partly unsatisfactory, as the boundaries between economy and society are constantly shifting. Everyone interested in improving our analytical tools to understand the direction of change in Europe should welcome this book.' Marino Regini, University of Milan, Italy While an economy is always 'embedded' in society, the relationship between the two is undergoing profound changes in Europe, resulting in widespread instability which is emphasised by the current crisis. This book analyses these changes, and in particular pressures of intensifying international competition, globalization and financialization within Europe. Combining the perspectives of economic sociology, political economy and political science, the expert contributors offer an in-depth, multidisciplinary insight to the functioning of a number of institutional arenas around which European economies and societies are organized. Areas explored include the state and public policy at European national and regional level, the welfare state, industrial relations systems, education systems and the family. This challenging and thought provoking book will be of great interest to a wide-ranging audience across a number of disciplines, including European studies, political science, comparative political economy, economic sociology, industrial relations and social policy.

Social Banking and Social Finance

Roland Benedikter
Social Banking and Social Finance Book PDF

Author : Roland Benedikter
Publisher : Springer Science & Business Media
Page : 143 pages
File Size : 49,7 Mb
Release : 2011-01-13
Category : Business & Economics
ISBN : 9781441977748

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Social Banking and Social Finance by Roland Benedikter Pdf

For over 2,000 years, banks have served to facilitate the exchange of money and to provide a variety of economic and financial services. During the most recent financial collapse and subsequent recession, beginning in 2008, banks have been vilified as perpetrators of the crisis, the public distrust compounded by massive public bailouts. Nevertheless, another form of banking has also emerged, with a focus on promoting economic sustainability, investing in community, providing opportunity for the disadvantaged, and supporting social, environmental, and ethical agendas. Social Banking and Social Finance traces the emergence of the “bank with a conscience” and proposes a new approach to banking in the wake of the economic crisis. Featuring innovations and initiatives in banking from Europe, Canada, and the United States, Roland Benedikter presents an alternative to traditional banking practices that are focused exclusively on profit maximization. He argues that social banking is not about changing the system, but about improving some of its core features by putting into use the "triple bottom line" principle of profit-people-planet. Important lessons can be learned by the success of social banks that may be useful for the greater task of improving the global financial system and avoiding economic crises in the future.

The Future of Pension Plans in the EU Internal Market

Nazaré da Costa Cabral,Nuno Cunha Rodrigues
The Future of Pension Plans in the EU Internal Market Book PDF

Author : Nazaré da Costa Cabral,Nuno Cunha Rodrigues
Publisher : Springer Nature
Page : 359 pages
File Size : 49,5 Mb
Release : 2019-11-26
Category : Business & Economics
ISBN : 9783030294977

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The Future of Pension Plans in the EU Internal Market by Nazaré da Costa Cabral,Nuno Cunha Rodrigues Pdf

This edited volume takes a closer look at various European pension-plan models and the recent challenges, trends and predictions related to the design of such schemes. The contributors analyse new ideas, both from national governments and European institutions, and consider current debates on topics such as the Capital Markets Union (CMU) and the so-called ‘European Pillar of Social Rights’ – calling for a new approach to social policy at the European level in response to common challenges, such as ageing and the digital revolution.This interdisciplinary work embraces economic, financial and legal perspectives, while focusing on previously selected coherence aspects in order to ensure that the analyses are comprehensive and globally consistent.

Housing Finance Policy in Emerging Markets

Loic Chiquier,Michael J. Lea
Housing Finance Policy in Emerging Markets Book PDF

Author : Loic Chiquier,Michael J. Lea
Publisher : World Bank Publications
Page : 540 pages
File Size : 44,9 Mb
Release : 2009
Category : Social Science
ISBN : 9780821377512

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Housing Finance Policy in Emerging Markets by Loic Chiquier,Michael J. Lea Pdf

Housing finance markets have been changing dramatically in both emerging and developed economies. On the one hand, housing finance markets are expanding and represent a powerful engine for economic growth in many emerging economies. However, the unfolding sub-prime mortgage crisis highlights the risks and potential turbulence that this sector can introduce into the financial system when expanding without proper infrastructure and regulation. As housing finance keeps growing in emerging economies to match a rising demand for housing, new risk management approaches, business models, funding tools, and policy instruments can help. Yet many questions remain about the right balance between innovation and regulation, the extent of risks to the financial system, the appropriate role of the state to promote affordable housing, and the effects of the sub-prime crisis. This book provides a guide for policymakers dealing with housing finance in emerging markets. It highlights the prerequisites for an effective housing finance system; it lays out several policy alternatives and models of housing finance; and it explores the role of governments in expanding access to housing finance for lower-income households. There is no "best" model set out in this book. The aim is to provide a developmental roadmap that can be tailored and sequenced to each country's situation and timing.

The Routledge International Handbook of Financialization

Philip Mader,Daniel Mertens,Natascha van der Zwan
The Routledge International Handbook of Financialization Book PDF

Author : Philip Mader,Daniel Mertens,Natascha van der Zwan
Publisher : Routledge
Page : 564 pages
File Size : 41,7 Mb
Release : 2020-02-05
Category : Business & Economics
ISBN : 9781351390361

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The Routledge International Handbook of Financialization by Philip Mader,Daniel Mertens,Natascha van der Zwan Pdf

Financialization has become the go-to term for scholars grappling with the growth of finance. This Handbook offers the first comprehensive survey of the scholarship on financialization, connecting finance with changes in politics, technology, culture, society and the economy. It takes stock of the diverse avenues of research that comprise financialization studies and the contributions they have made to understanding the changes in contemporary societies driven by the rise of finance. The chapters chart the field’s evolution from research describing and critiquing the manifestations of financialization towards scholarship that pinpoints the driving forces, mechanisms and boundaries of financialization. Written for researchers and students not only in economics but from across the social sciences and the humanities, this book offers a decidedly global and pluri-disciplinary view on financialization for those who are looking to understand the changing face of finance and its consequences.