Doctoral Dissertation Research: The Role of Housing Stakeholders in the Recovery of the U.S. Housing Market

在伊利诺伊大学厄巴纳-香槟分校安德鲁·奥尔塔博士的指导下，伊丽莎白·杨林女士将探讨利益相关者网络如何努力挽回因经济危机而受损的价值。在抵押贷款危机之后，该项目询问了不同定位的住房利益相关者（房地产经纪人、抵押贷款银行家、住房顾问和房主）如何在2008年后的经济环境中共同赎回住房所有权的社会和经济价值。这项研究将在伊利诺斯州的芝加哥进行，该市仍在与抵押贷款危机的长期影响作斗争。研究人员将在生产和促进住房所有权的关键地点（抵押贷款银行、房地产办公室和住房组织）进行为期12个月的研究，重点关注住房专业人员和他们所服务的房主的日常实践。她的研究方法将包括半结构化访谈、参与者观察、焦点小组和大萧条以来美国房屋所有权历史相关文件的文本分析。通过将房地产市场作为不同价值观、利益和行动规模的交汇点，该研究探索了宏观层面金融过程与其微观层面影响之间的交叉点。这项研究将有助于研究房屋所有权的政治和文化经济，社会流动性，对社会和经济价值的整体理解，以及经济制度在塑造日常生活中的作用。该项目更广泛的影响在于它关注了危机后美国住房市场的再生产和转型，半个多世纪以来，住房市场一直是美国经济繁荣和社会流动的重要组成部分。这项研究将使我们了解在文化、政治和经济变革时期美国经济和社会的一个关键维度的内部运作。研究结果将提供给学术界、实践者和一般受众。

Ms. Elizabeth Youngling, under the supervision of Dr. Andrew Orta of the University of Illinois at Urbana-Champaign will explore how networks of stakeholders work to redeem values diminished by economic crisis. In the wake of the mortgage crisis, the project asks how variously positioned housing stakeholders (realtors, mortgage bankers, housing counselors, and homeowners) come together to redeem the social and economic value of homeownership in the post-2008 economic environment. The research will be conducted in Chicago, Illinois, a city still struggling with the long-term effects of the mortgage crisis. Focusing on the daily practices of housing professionals and the homeowners they serve, the researcher will conduct twelve months of research at key sites in the production and promotion of homeownership: mortgage banks, realty offices, and housing organizations. Her research methods will include semi-structured interviews, participant observation, focus groups, and textual analysis of documents related to the history of homeownership in the United States since the Great Depression. By framing the housing market as a meeting point for different values, interests, and scales of action, the research explores the intersections between macro-level financial processes and their micro-level effects. The study will contribute to scholarship on the political and cultural economies of homeownership, social mobility, holistic understandings of social and economic value, and role of economic institutions in shaping everyday life. The broader impact of the project lies in its attention to the post-crisis reproduction and transformation of the U.S. housing market, which has been an essential component of U.S. economic prosperity and social mobility for over half a century. The research will inform our understanding of the inner workings of a key dimension of the U.S economy and society during a period of cultural, political, and economic change. The results will be made available to academic, practitioner, and general audiences.