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Books > History > History of specific subjects > Economic history
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Consumer Lending in France and America - Credit and Welfare (Hardcover)
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Consumer Lending in France and America - Credit and Welfare (Hardcover)
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Why did America embrace consumer credit over the course of the
twentieth century, when most other countries did not? How did
American policy makers by the late twentieth century come to
believe that more credit would make even poor families better off?
This book traces the historical emergence of modern consumer
lending in America and France. If Americans were profligate in
their borrowing, the French were correspondingly frugal. Comparison
of the two countries reveals that America's love affair with credit
was not primarily the consequence of its culture of consumption, as
many writers have observed, nor directly a consequences of its less
generous welfare state. It emerged instead from evolving coalitions
between fledgling consumer lenders seeking to make their business
socially acceptable and a range of non-governmental groups working
to promote public welfare, labor, and minority rights. In France,
where a similar coalition did not emerge, consumer credit continued
to be perceived as economically regressive and socially risky.
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