The politics of creditor–debtor relations and mortgage payment strikes: The case of the Uruguayan Federation of Mutual-Aid Housing Cooperatives
The politics of creditor–debtor relations and mortgage payment strikes: The case of the Uruguayan Federation of Mutual-Aid Housing Cooperatives
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债权人与债务人关系的政治与抵押贷款支付罢工：乌拉圭互助住房合作社联合会的案例
DOI：
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发表时间：
2018
期刊：
影响因子：
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通讯作者：
L. Vidal
中科院分区：
文献类型：
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作者：
L. Vidal
抵押贷款债务和随之而来的金融征用形式继续在社会领域毫无争议地扩张。债务人的原子化和商品拜物教是支撑这一过程的两个关键因素。乌拉圭互助住房合作社的集体性和部分去商品化特征及其充满冲突的抵押贷款债务关系提供了一个对比鲜明的反向镜像。本文分析了在集体债务人的情况下，抵押债务关系的建立所带来的空间固定性和时间不确定性如何对债权人产生不利影响。住房合作社构成了一个对债权人来说不透明的空间地理，从某种意义上说，抵押贷款债务人无法被单独识别和追查。一旦房屋建成并有人居住，债权人的债务债权就可能受到集体质疑。在乌拉圭互助住房合作社联合会最近一次抵押贷款支付罢工（2001-2011年）的背景下，假定平等各方之间的自愿合同被揭露为资本所有者和非所有者之间的权力斗争。这一非典型案例提供了一个机会，可以从经验上证明债权人与债务人关系的政治性质，而由于交易对手之间的极端权力不平衡，这种关系往往在社会上变得不可见。
Mortgage debt and concomitant forms of financial expropriation continue their largely uncontested expansion across the social terrain. The atomisation of debtors and commodity fetishism are two key factors that underpin this process. The collective and partially de-commodified character of mutual-aid housing cooperatives in Uruguay and their conflict-ridden mortgage debt relations provide a contrasting, reverse mirror image. This paper analyses how in the case of a collective debtor, the spatial fixity and temporal uncertainties that result from the establishment of mortgage debt relations can work against the creditor. Housing cooperatives make up a geography of spaces that are opaque to the creditor, in the sense that mortgage debtors cannot be individually identified and pursued. Once homes are constructed and inhabited, the creditor’s debt claims can be collectively challenged. In the context of the most recent mortgage payment strike (2001–2011) carried out by the Uruguayan Federation of Mutual-Aid Housing Cooperatives, what is presumed a voluntary contract between equal parties is revealed as a power struggle between owners and non-owners of capital. This atypical case provides an opportunity to empirically attest to the political nature of creditor–debtor relations, often rendered socially invisible due to the extreme power imbalance between counterparties.
债务人公众：追踪消费信贷的参与政治
影响因子：
2.4
作者：
Deville J
通讯作者：
Deville J