Payday lending in the UK: the regul(aris)ation of a necessary evil?
Payday lending in the UK: the regul(aris)ation of a necessary evil?
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英国的发薪日贷款：必要邪恶的监管（ARIS）？
DOI：
10.1017/s0047279416000015
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发表时间：
2016-07
影响因子：
2
通讯作者：
Gardner J
中科院分区：
文献类型：
--
作者：
Rowlingson K;Appleyard L;Gardner J
对发薪日贷款使用日益增多的担忧，促使英国金融市场行为监管局在2014/15年度推出了里程碑式的改革。尽管这些改革普遍受到欢迎，认为这是遏制“敲诈勒索”和“掠夺性”贷款的一种方式，但本文基于对发薪日贷款的增长和性质进行的理论上的知情分析，以及对客户的原始和严格的定性采访，呈现了一幅更微妙的图景。我们认为，发薪日贷款的增长是三个相互关联的主要趋势的结果：工作和失业人员的收入不安全日益加剧；国家福利供应的削减；以及金融化程度的提高。最近的发薪日贷款改革并没有解决这些根本原因。我们的研究还通过关注借款人的“生活经验”，对金融化的“日常生活”的争论做出了重大贡献。我们表明，与媒体和许多活动家呈现的相当简单化的图景相反，考虑到客户所处的情况，发薪日贷款的各个方面实际上受到了客户的欢迎。因此，更严格的监管可能会给一些人带来负面后果。更广泛地说，我们认为，对发薪日贷款的监管(ARIS)加强了国家角色从提供者/再分配者到监管者/推动者的转变。
Concern about the increasing use of payday lending led the UK's Financial Conduct Authority to introduce landmark reforms in 2014/15. While these reforms have generally been welcomed as a way of curbing ‘extortionate’ and ‘predatory’ lending, this paper presents a more nuanced picture based on a theoretically-informed analysis of the growth and nature of payday lending combined with original and rigorous qualitative interviews with customers. We argue that payday lending has grown as a result of three major and inter-related trends: growing income insecurity for people both in and out of work; cuts in state welfare provision; and increasing financialisation. Recent reforms of payday lending do nothing to tackle these root causes. Our research also makes a major contribution to debates about the ‘everyday life’ of financialisation by focusing on the ‘lived experience’ of borrowers. We show that, contrary to the rather simplistic picture presented by the media and many campaigners, various aspects of payday lending are actually welcomed by customers, given the situations they are in. Tighter regulation may therefore have negative consequences for some. More generally, we argue that the regul(aris)ation of payday lending reinforces the shift in the role of the state from provider/redistributor to regulator/enabler.