AMERICA'S DEBT SAFETY‐NET
AMERICA'S DEBT SAFETY‐NET
复制标题
美国的债务安全网
DOI：
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发表时间：
2013
期刊：
影响因子：
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通讯作者：
J. Montgomerie
中科院分区：
文献类型：
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作者：
J. Montgomerie
本文评估了美国家庭债务的快速升级与自由福利资本主义动态变化的关系。从2001年至2007年信贷和资产泡沫期间家庭债务水平上升的结果开始，它认为，基于资产的福利的失败和家庭无法超越其历史上对劳动收入的依赖，使债务对家庭社会参与和保护至关重要。它考察了年轻人（户主为35岁以下的家庭）和老年人（户主为65岁以上的家庭）与自由福利制度的独特关系，特别是2001- 2007年信贷和资产泡沫对这些关系的影响。通过使用一个框架，债务被分析为对收入的要求，以及其他社会参与和日常生活的成本，我们看到了信贷和资产繁荣对年轻人和老年人的影响：不断增长的债务和金融不安全感。
This article evaluates the rapid escalation of American household debt in relation to the changing dynamics of liberal welfare capitalism. Starting with the outcome of rising household debt levels during the credit and asset bubble of 2001–7 it argues that the failure of asset-based welfare and the inability of households to move beyond their historical dependence on earned income made indebtedness essential to household social participation and protection. It examines the unique relationship of young adults (households headed by persons under age 35) and senior citizens (households headed by persons over age 65) to the liberal welfare regime, in particular the ways in which these relationships were shaped by the 2001–7 credit and asset bubble. By using a framework in which debt is analyzed as a claim against income, alongside other costs of social participation and daily living, we see the impact of the credit and asset boom on both young adults and senior citizens: growing indebtedness and financial insecurity.