Lived Economies of Default: Consumer Credit, Debt Collection and the Capture of Affect
Lived Economies of Default: Consumer Credit, Debt Collection and the Capture of Affect
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现存的违约经济：消费者信贷、债务追收和影响力的获取
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发表时间：
2015
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通讯作者：
J. Deville
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作者：
J. Deville
消费信贷借款——使用信用卡、储蓄卡和个人贷款——是我们许多人生活中重要而常规的一部分。但是，当这些日常形式的借贷变成“坏帐”，当人们开始拖欠贷款，当他们不能或不愿偿还时，会发生什么呢？这本书探讨的正是消费信贷行业和越来越多的人的生活经历的核心部分。通过对债务催收行业内部的研究，以及债务人自己的账目和对贷款和催收技术的历史研究，本书精确地考察了这个日益复杂、全球联系的市场是如何运作的。它关注的是用于试图从借款人那里收回违约债务的高度私密的技术，以及催收行业与贷方的关系。乔·德维尔跟随违约之旅，从债务人的借贷行为，到催收技术侵入他们的家庭和日常生活，到催收组织，再到债务人寻求外界帮助的尝试。在这个过程中，他展示了如何理解这个特定的市场，我们需要理解情感和影响在其中所起的核心作用。这本书打开了一个经常被隐藏在视野之外的经济领域，为理解市场中情感和计算之间的关系以及消费信贷在我们的社会和经济中的作用做出了重大贡献。这本书将感兴趣的学生，教师和研究人员在一系列领域，包括社会学，人类学，文化研究，经济学和社会心理学。
Consumer credit borrowing – using credit cards, store cards and personal loans – is an important and routine part of many of our lives. But what happens when these everyday forms of borrowing go ‘bad’, when people start to default on their loans and when they cannot, or will not, repay? It is this poorly understood, controversial, but central part of both the consumer credit industry and the lived experiences of an increasing number of people that this book explores. Drawing on research from the interior of the debt collections industry, as well as debtors' own accounts and historical research into technologies of lending and collection, it examines precisely how this ever more sophisticated, globally connected market functions. It focuses on the highly intimate techniques used to try and recoup defaulting debts from borrowers, as well as on the collection industry’s relationship with lenders. Joe Deville follows a journey of default, from debtors’ borrowing practices, to the intrusion of collections technologies into their homes and everyday lives, to the collections organisation, to attempts by debtors to seek outside help. In the process he shows how to understand this particular market, we need to understand the central role played within it by emotion and affect. By opening up for scrutiny an area of the economy which is often hidden from view, this book makes a major contribution both to understanding the relationship between emotion and calculation in markets and the role of consumer credit in our societies and economies. This book will be of interest to students, teachers and researchers in a range of fields, including sociology, anthropology, cultural studies, economics and social psychology.