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How the Other Half Banks: Exclusion Exploitation Hardcover Mehrsa Baradaran NEW
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N.º de artículo de eBay:194494673237
Características del artículo
- Estado
- Publication Name
- How the Other Half Banks: Exclusion Exploitation
- Subject Area
- Affordable Banking
- Educational Level
- Adult & Further Education
- Book Title
- How the Other Half Banks : Exclusion, Exploitation, and the Threa
- Type
- Society & Finances
- Subject
- Finance, Economics
- Level
- Business
- ISBN
- 9780674286061
Acerca de este producto
Product Identifiers
Publisher
Harvard University Press
ISBN-10
0674286065
ISBN-13
9780674286061
eBay Product ID (ePID)
211327699
Product Key Features
Number of Pages
336 Pages
Language
English
Publication Name
How the Other Half Banks : Exclusion, Exploitation, and the Threat to Democracy
Publication Year
2015
Subject
Banks & Banking, Economic History, Industries / Financial Services, United States / General
Type
Textbook
Subject Area
Business & Economics, History
Format
Hardcover
Dimensions
Item Height
1.1 in
Item Weight
22.1 Oz
Item Length
9.4 in
Item Width
6.6 in
Additional Product Features
Intended Audience
Scholarly & Professional
LCCN
2015-008022
Reviews
Mehrsa Baradaran's terrific book, How the Other Half Banks , argues that we could and should ask banks to serve the poor and working class once again. In particular, post office banks (with storefronts and websites both) could provide those missing banking services: a place to park cash, earn interest and take out small amount loans... The idea is not hers originally, but she seizes and expands on the idea brilliantly and at great length. In particular, she advances the case for postal banking by reviewing the country's earlier experience with postal banks, and by linking that experience to the modern problem of missing services for the poor and working class... One can appreciate why the policy world has come to Baradaran for her expertise, and this book will constitute a central contribution to the debate... I will recommend this book to all who are interested in structural racism... Baradaran demonstrates how the the post-deregulation restructuring of banking has disproportionately impacted communities of color, and how postal banking and other public options might bring them back into the fold once more. Baradaran's revival of postal banking, and her description of the disappearance of services in the wake of deregulation, is fresh and engaging, and I highly recommend [the] book for all who are interested in the structure of inequality., Important and comprehensive... How the Other Half Banks is a fascinating read, and Baradaran has done a masterful job of turning what could be incredibly dry material into a well-paced, accessible chronicle of how the consumer financial services industry has changed since the beginning of the republic. She traces the history of the relationship between the banking industry and the nation, and shows how banks have gained more power, leaving the less well-off excluded and exploited... How the Other Half Banks tells an important story, one in which we have allowed the profit motives of banks to trump the public interest. Baradaran is right to take a pragmatic approach to these issues, as it seems unlikely that there is sufficient political will to renegotiate the social contract between banks and government so that it once again favors the public., How the Other Half Banks is a fascinating blend of history, policy, government, regulation, influence buying and some international comparisons...Indispensable for any future studies of American banking and regulation., A fascinating in-depth view of why and how so many Americans struggle to find affordable banking services. Modern finance provides great opportunity but also many risks, through hidden fees or even outright deception. The crisis of 2008 was not an aberration'e"and we have not fixed the deep-seated underlying problems. A must read for anyone who aspires to build financial security for themselves, for their family, and for the nation., An important voice...[Baradaran's] excellent new book, How the Other Half Banks: Exclusion, Exploitation and the Threat to Democracy describes how, for decades, big banks have shed their social contract with the American public and transformed themselves into modern monstrosities which serve corporations and the wealthy and exploit or avoid the less affluent members of our society. Setting the stage with this historical context, Baradaran makes a compelling case for a postal banking system which would greatly benefit millions of struggling 'unbanked' Americans., Steadily shedding low-profit clients, American banks flourished during three decades of deregulation, but, when the crunch came last decade, the U.S. government-spouting we-are-all-in-this-together rhetoric-rushed to their rescue. In good times, banks are free-market players. In bad times, they have all the comforts of state agents. The author's emphasis is not on curtailing megabanks' privileges-a reader could get the impression she thinks that case too obvious for lengthy exposition-but on providing secure, low-cost credit for those who need it most. Her back-to-the-future solution is postal banking. Although the idea sounds terribly old-fashioned-it hasn't been seen in the U.S. since the 1960s-more than 50 nations, including Japan and Germany, maintain a vibrant postal-bank system, a pillar of their strong savings cultures., Steadily shedding low-profit clients, American banks flourished during three decades of deregulation, but, when the crunch came last decade, the U.S. government--spouting we-are-all-in-this-together rhetoric--rushed to their rescue. In good times, banks are free-market players. In bad times, they have all the comforts of state agents. The author's emphasis is not on curtailing megabanks' privileges--a reader could get the impression she thinks that case too obvious for lengthy exposition--but on providing secure, low-cost credit for those who need it most. Her back-to-the-future solution is postal banking. Although the idea sounds terribly old-fashioned--it hasn't been seen in the U.S. since the 1960s--more than 50 nations, including Japan and Germany, maintain a vibrant postal-bank system, a pillar of their strong savings cultures., Baradaran argues persuasively that the banking industry, fattened on public subsidies (including too-big-to-fail bailouts), owes low-income families a better deal... How the Other Half Banks is well researched and clearly written... The bankers who fully understand the system are heavily invested in it. Books like this are written for the rest of us., Baradaran charges that nearly half of the American population has been deprived of access to financial services at a fair price thanks to financial deregulation...A comprehensive addition to the ongoing discussions of both inequality and the financial system., A fascinating in-depth view of why and how so many Americans struggle to find affordable banking services. Modern finance provides great opportunity but also many risks, through hidden fees or even outright deception. The crisis of 2008 was not an aberration--and we have not fixed the deep-seated underlying problems. A must read for anyone who aspires to build financial security for themselves, for their family, and for the nation., The title of [Baradaran's] lean, angry book echoes the photojournalism of Jacob Riis, whose 1890 work on the slums of New York, How the Other Half Lives , spurred a housing reform movement... In a society built on credit as a means to wealth, low-income families deserve a much better deal, Baradaran argues. People do not opt for expensive products because they do not know any better, or are somehow reckless or irresponsible. They do so because they have no choice. And that is a national embarrassment.
Dewey Edition
23
Dewey Decimal
332.10973
Table Of Content
Cover Title Copyright Contents Dedication Introduction Chapter 1. Governments and Banks How Banks Work Shadow Banking Chapter 2. History of the Social Contract Building a Nation The Civil War and the Creation of National Banking Creation of the Federal Reserve The New Deal Social Contract Civil Rights and the Social Contract for Equality The Banking Transformation and Deregulation Credit Unions Savings and Loans Freedman's Savings Bank Building and Loan The Industry Changes Morris Banks and Industrial Loan Companies Chapter 4. How the Other Half Borrows The Sharks The Borrowers Credit and Moral Outrage Fighting the Sharks Lending Markets and Intermediation Chapter 5. Unbanked and Unwanted Banking Markets Community Banks Struggle to Compete The Community Reinvestment Act Did Lending to the Poor Cause the Financial Crisis? Chapter 6. Changing the World without Changing the Rules Revival of Banks with a Soul? Microcredit: Market-Based Philanthropy Market Innovations Prepaid Cards Wal-Mart Mobile Banking Peer-To-Peer Lending Chapter 7. Postal Banking Postal Banking Proposed Dealing with the Opposition The Crisis that Would Pave the Way The Postal Banks as Refuge The Unraveling of the System The Post Office Today Chapter 8. A Public Option in Banking Postal Lending Obstacles and Critics Notes Acknowledgments Index
Synopsis
The United States has two separate banking systems today--one serving the well-to-do and another exploiting everyone else. How the Other Half Banks contributes to the growing conversation on American inequality by highlighting one of its prime causes: unequal credit. Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities--all thanks to deregulation that began in the 1970s and continues decades later. In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America's banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis. Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity., The United States has two separate banking systems--one serving the well-to-do and another exploiting everyone else. Deserted by banks and lacking credit, many people are forced to wander through a Wild West of payday lenders and check-cashing services thanks to the effects of deregulation in the 1970s that continue today, Mehrsa Baradaran shows.
LC Classification Number
HG2491.B269 2015
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JPRYAN2011
100% de votos positivos•14 mil artículos vendidos
Registrado como vendedor particularPor tanto, no se aplican los derechos de los consumidores derivados de las leyes de protección de los consumidores de la UE. La Garantía al cliente de eBay sigue aplicando a la mayoría de compras. Más informaciónMás información
Categorías populares de esta tienda
Votos de vendedor (7.203)
- u***2 (121)- Votos emitidos por el comprador.Último añoCompra verificadaExcellent service!! Seller had great communication, putting all concerns to rest and working closely and respectfully to agree on an offer. A real pleasure to do business with!! You don't find sellers on ebay like this nowadays. Item arrives FORTIFIED inside a sturdy box as well as super fast, considering it's coming all the way from the UK! Collector approved! Buy with confidence! Thank you for the rare item at a killer price!! ^_^The Sound of Renaissance by Various Artists CD Apr-2002 2 Discs RenaissanceNEW (#192398736916)
- o***9 (1879)- Votos emitidos por el comprador.Mes pasadoCompra verificadaPerfect in Every Way!!! Packaged well for safe arrival and shipped quickly. As described condition in Appearance. Outstanding Quality Service plus Value too, Many Many Thanks!!!
- m***b (735)- Votos emitidos por el comprador.Mes pasadoCompra verificadaPerfectly smooth transaction, item as described, packed with care, quick shipping. Highly recommend this seller!