Parasitic encounters in debt: The UK mainstream credit industry
Parasitic encounters in debt: The UK mainstream credit industry
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债务寄生遭遇：英国主流信贷行业
DOI：
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发表时间：
2015
期刊：
影响因子：
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通讯作者：
P. Ambrose
中科院分区：
文献类型：
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作者：
Carl Walker;P. Hanna;L. Cunningham;P. Ambrose
要使人们看到造成债务相关困境并使人们了解债务相关困境经历的机构和做法的复杂性，就必须重点关注这些经历的分类性质。当代的债务和困境官僚机构需要被理解为重新产生地位、权力和资源获取的划分。对于那些被困在日益两极分化的阶级结构的底层的人来说，不稳定的工资劳动形式已经被非常具体的金融实践所塑造，其中放松管制的个人债务行业通过私人养老金，消费信贷和抵押贷款将下级阶级整合到金融关系网中。本文借鉴了英国主流信贷行业的一系列利益相关者的实证研究。我们认为，在英国主流信贷部门的各种机构和演员的制度逻辑，话语，神话和操作过程，通过金融自由化的根本变化，演变成一个功能性行业。这个行业的作用是使，支持和制定社会关系和经济实践，可以通过寄生的比喻最好地理解。本文探讨了具体的组织和关系的做法，使金融剥削的一个四面楚歌的precise。
Part of making visible the complex of institutions and practices that create and make knowable experiences of debt-related distress is to focus on the classed nature of these experiences. Contemporary bureaucracies of debt and distress need to be understood as reproducing divisions of status, power, and access to resources. The imposition of precarious forms of wage labour for those trapped at the bottom of what is an increasingly polarizing class structure has been shaped by very specific sets of financial practices where a deregulated personal debt industry has integrated subordinate classes into a web of financial relations through private pensions, consumer credit, and mortgages. This article draws upon empirical research with a range of stakeholders in the UK mainstream credit industry. We contend that the institutional logics, discourses, myths, and operational processes of the variety of agencies and actors in the UK mainstream credit sector have, through the radical changes of financial liberalization, evolved into a functional industry. This industry serves to enable, support, and enact social relational and economic practices that can best be understood through the metaphor of parasitism. This paper explores the specific organizational and relational practices that allow the financial exploitation of a beleaguered precariat.