Everyday Debt and Credit
Everyday Debt and Credit
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日常债务和信贷
DOI：
10.1080/09502386.2015.1017091
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发表时间：
2015
期刊：
影响因子：
1.5
通讯作者：
Deville J
中科院分区：
文献类型：
--
作者：
Deville J
与信贷和债务的生活关系会以一种经常被忽略的方式逐渐融入日常生活，而这种方式往往是在分析金融存在中更直接可见和更重大的方面时所忽略的。一个人该如何处理那些很少被提及的、额外的“平凡”生活中的信用和债务时刻呢？当所有的一切加在一起，这些时刻可以更多地说明日常生活的重要性，从而通过他们的亲密关系，为他们自己的转变提供最可靠的潜力。金钱和世俗之间的相遇以各种方式发生，通过各种各样的工具/实践，安排/组合，道德/影响，节奏/惯例，并跨越截然不同的背景和寄存器（家庭，社区，性别，种族，国家，全球等）。我们认为，只有紧紧抓住一个人当前处境的经验内容，就像总是被理论的抽象所交叉一样，才有可能在所有的时间和标量多样性中把握“大局”，一个可能开始把这些片段和时刻联合起来的整体，否则这些片段和时刻就会不断地逃逸到背景中。我们的撰稿人从非常具体的环境、历史和亲密关系出发：他的文章将读者带入葡萄牙零售银行的决策实践，波兰华沙新建住宅居民的抵押贷款担忧，美国军人家庭及其债务管理的斗争，从事“第四班”工作的企业家的生活，布宜诺斯艾利斯贫民窟中信贷和债务的战术使用，俄罗斯小镇上商人的记账实践，当今慈善资本令人不安的地下历史，匈牙利家庭借贷者的未来感，智利家庭消费的风格，驱动金融应用的胃口，杠杆对空间和时间的影响，以及滚动禧年（Rolling Jubilee）复杂的希望。总之，这些文章提供了负债的经验，跨越了日常生活中不同的社会、情感和物质领域。这篇编辑的介绍从他们的坐标和氛围中汲取灵感，制定了一种跨越他们的思维方式：一种收集残余、未被注意的、瞬间和整体的方式，以捕捉日常债务和信贷的“更多东西”，不仅是在它过去的时候，而且是在它预示着什么。
Lived relations to credit and debt can steadily sink into the everyday in ways that are often missed in analyses that attend to the more immediately visible and eventful aspects of financial existence. How might one address those less remarked-upon, extra-‘ordinary’ lived moments of credit and debt: moments that can come, when all is added up, to say much more about the weight of the day-to-day and, thus, offer – by their very intimacy – the surest potential for their own transformation? Encounters between the monetary and the mundane transpire in all kind of ways, through all manner of instruments/practices, arrangements/assemblages, moralities/affects, rhythms/routines and across vastly different contexts and registers (familial, communal, gendered, racial, national, global, etc.). We argue that only by adhering closely to the empirical contents of one's immediate situation, as always crossed by the abstractions of theory, does it become possible to grasp in all its temporal and scalar diversity the ‘big picture’, a totality that might begin to unite these fragments and moments that otherwise escape continuously into the background. Our contributors speak from out of very specific sets of circumstances, histories and intimacies: with essays that take the reader into the decision-making practices at Portuguese retail banks, the mortgage worries of residents in new-build homes in Warsaw Poland, American military families and their struggles with debt management, the lives of mamapreneurs working a ‘fourth shift’, the tactical use of credit and debt in the slums of Buenos Aires, the bookkeeping practices of merchants in a Russian small town, the troubling subterranean history of today's philanthrocapital, Hungarian home borrowers' sense of futurity, the stylistics of household consumption in Chile, the appetites that drive financial apps, leverage's force-affects on space and time and the complicated hopefulness of the Rolling Jubilee. Together, these essays provide an empirics of indebtedness traversing the diverse social, affectual and material terrain of the everyday. This editors' introduction draws from their coordinates and atmospheres to enact a way of thinking across them: a way to gather up the residual, the unnoticed, the moment and the whole, in order to capture ‘something more’ of everyday debt and credit, not only as it passes but also in what it portends.
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