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The Politics of Consumer Credit in the UK, 1938-1992最新文献

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Conclusion 结论
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0010
S. Aveyard, Paul Corthorn, Sean P O'connell
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引用次数: 0
Truth in Lending? Consumer Credit and Social Policy after Crowther 借贷的真相?《消费信贷与社会政策》，克劳瑟之后
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/OSO/9780198732235.003.0008
S. Aveyard, Paul Corthorn, Sean P O'connell
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引用次数: 0
A Nation of Mortgagors, 1970–1989 抵押人的国家，1970-1989
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0007
S. Aveyard, Paul Corthorn, Sean P O'connell
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引用次数: 0
Crisis and Credit Control, 1964–1971 危机与信贷控制，1964-1971
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/OSO/9780198732235.003.0005
S. Aveyard, Paul Corthorn, Sean P O'connell
{"title":"Crisis and Credit Control, 1964–1971","authors":"S. Aveyard, Paul Corthorn, Sean P O'connell","doi":"10.1093/OSO/9780198732235.003.0005","DOIUrl":"https://doi.org/10.1093/OSO/9780198732235.003.0005","url":null,"abstract":"Between 1964 and 1971 the UK suffered great economic difficulties, including repeated balance of payments crises, leading to a prolonged credit squeeze, the seeking of loans from the International Monetary Fund (IMF), and the devaluation of sterling in 1967. These issues dominated control over consumer credit. Hire purchase terms control continued to feature in government economic management, producing stronger objections from the consumer durables sector. While the Treasury saw them as a useful demand management tool, the Board of Trade complained of their damage to British industry and the Crowther Committee established to examine consumer credit called for their abandonment. There was also growing pressure, particularly from the Bank of England, to move away from the use of ceilings on bank lending. In 1971, a new system of credit control was introduced, reliant on changes in the cost of credit rather than restrictions on its overall availability.","PeriodicalId":276717,"journal":{"name":"The Politics of Consumer Credit in the UK, 1938-1992","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131668076","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Building a Property-Owning Democracy, 1945–1970 1945-1970年，建立产权民主
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0003
S. Aveyard, Paul Corthorn, Sean P O'connell
{"title":"Building a Property-Owning Democracy, 1945–1970","authors":"S. Aveyard, Paul Corthorn, Sean P O'connell","doi":"10.1093/oso/9780198732235.003.0003","DOIUrl":"https://doi.org/10.1093/oso/9780198732235.003.0003","url":null,"abstract":"The chapter explains the emerging concept of a property-owning democracy. Encouraging home ownership, Conservatives argued, increased ‘independence of character, self-reliance, initiative, and the habit of saving and the acceptance of responsibility’. The Conservative government of 1951 granted local authorities powers to sell council houses to their tenants. Conservatives portrayed the Labour Party as hostile to home ownership. However, Labour revisionists encouraged colleagues to take the concept of a property-owning democracy seriously as part of a strategy to refresh their egalitarian agenda. In similar vein, Anthony Crosland argued that the concept was a ‘socialist rather than a conservative ideal’ as long as property was ‘well distributed’. Thus, as Britain became more affluent, the central debate on housing shifted from one centred on which government built the most houses to which party would offer homeowners the best deal, with a focus on the terms of mortgage lending.","PeriodicalId":276717,"journal":{"name":"The Politics of Consumer Credit in the UK, 1938-1992","volume":"11 8","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113934406","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
Consumer Credit on the Eve of Affluence 富裕前夜的消费信贷
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0002
S. Aveyard, Paul Corthorn, Sean P O'connell
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引用次数: 0
‘Too Much of a Good Thing’ “过犹不及”
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0009
S. Aveyard, Paul Corthorn, Sean P O'connell
{"title":"‘Too Much of a Good Thing’","authors":"S. Aveyard, Paul Corthorn, Sean P O'connell","doi":"10.1093/oso/9780198732235.003.0009","DOIUrl":"https://doi.org/10.1093/oso/9780198732235.003.0009","url":null,"abstract":"By the 1980s, the Labour and Conservative parties were more receptive to radical ideas that had great implications for the consumer credit market. Labour’s left pursued plans to nationalize financial institutions. The Conservatives embraced monetarism as a solution to Britain’s high levels of inflation. While ideology played a role, it does not provide sufficient explanation for the liberalization that followed. Hire purchase terms controls were eventually abolished in 1982, alongside the more generalized attempts to restrict personal lending, but the persistent search for a more effective means to the same end continued for longer than might have been supposed. Liberalization, in turn, led to a boom in the use of consumer credit in the 1980s, producing renewed Labour demands for its restraint. The debate that followed is revealing of how new technological and international influences made devising a workable system of credit control ever more difficult.","PeriodicalId":276717,"journal":{"name":"The Politics of Consumer Credit in the UK, 1938-1992","volume":"78 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133473455","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
‘A Supreme Example of Whitehall “Tinkering” ’ “白厅“修修补补”的典范”
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/OSO/9780198732235.003.0006
S. Aveyard, Paul Corthorn, Sean P O'connell
{"title":"‘A Supreme Example of Whitehall “Tinkering” ’","authors":"S. Aveyard, Paul Corthorn, Sean P O'connell","doi":"10.1093/OSO/9780198732235.003.0006","DOIUrl":"https://doi.org/10.1093/OSO/9780198732235.003.0006","url":null,"abstract":"Competition and Credit Control contributed to the abandonment of hire purchase terms control, but officials continued to search for another mechanism that could target consumer expenditure. Their quest became more pressing after 1973, as tremendous economic difficulties strengthened the desire to control the growth of the money supply. Competition and Credit Control failed to restrict credit expansion and was modified by the introduction of the ‘credit corset’. Hire purchase terms controls returned, alongside the voluntary system for other forms of consumer credit. The failure was dramatic enough for Labour’s front bench to advocate a return to ceilings on bank advances and the withdrawal of credit cards. In office, however, Labour accepted the status quo and relaxed some controls following pressure from the consumer durables sector. The general thrust of the experience in the 1970s led officials and ministers to lose faith in the capacity of the state to effect change.","PeriodicalId":276717,"journal":{"name":"The Politics of Consumer Credit in the UK, 1938-1992","volume":"193 ","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134162010","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 0
A Sisyphean Task 西西弗斯式的任务
The Politics of Consumer Credit in the UK, 1938-1992 Pub Date : 2018-09-06 DOI: 10.1093/oso/9780198732235.003.0004
S. Aveyard, Paul Corthorn, Sean P O'connell
{"title":"A Sisyphean Task","authors":"S. Aveyard, Paul Corthorn, Sean P O'connell","doi":"10.1093/oso/9780198732235.003.0004","DOIUrl":"https://doi.org/10.1093/oso/9780198732235.003.0004","url":null,"abstract":"Chapter 3 examines debates about controls on consumer credit from late 1957 to 1964. As in Chapter 2, this chapter provides a fresh appraisal of Labour’s response to the affluent society. The party attempted to outflank the Conservatives on the issue of consumer protection. It embarrassed the Conservatives over their sluggish response to the Molony Committee’s recommendations on hire purchase legislation. The chapter also supports previous analyses that have identified the strong impact of new consumerist groups, particularly the Consumers’ Association and the weakening role of the Cooperative Movement. The issue of credit controls became more contentious. The Radcliffe Committee on monetary policy (1958) highlighted the weaknesses of the system. Of particular concern was the impact of controls on consumer durable industries. They were removed in 1958, but reintroduced, in 1960, following a dangerous rise in consumer indebtedness.","PeriodicalId":276717,"journal":{"name":"The Politics of Consumer Credit in the UK, 1938-1992","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124296278","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
引用次数: 4
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