مالی‌سازی شهروند: شمول اجتماعی و مالی از طریق حقوق خصوصی اروپایی

This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, overindebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules. Hart Studies in Commercial and Financial Law: Volume 1 Acknowledgements Contents Introduction I. The Scenario II. Inclusion, Finance and Private Law III. Methodology IV. Structure 1. The Idea of Financial and Social Inclusion I. Dimensions of Financial and Social Inclusion II. The Rise of Social Inclusion and Its Merging with Financial Inclusion III. The Transformations of State and Law IV. Financialisation V. Privatised Keynesianism and Democratisation of Finance VI. The Role of Trust VII. Passing the Risk VIII. The Other Side of the Coin IX. Re-regulation? 2. Financial and Social Inclusion in the European Legal Order I. An EU Affair II. Distinguishing the Forms of Inclusion in Europe III. A Just or an Inclusive Private Law? IV. The Rise of Inclusion in European Law V. In European Contract Law 3. Access to a Bank Account I. A Gateway to the Market II. Legal Frameworks in Europe III. The Problems of Overdrafts IV. EU Involvement V. The Recommendation VI. The Problem of Reasonable Costs VII. The New Directive 4. Access to Credit I. From a Right to a Bank Account to a Right to Credit? II. Responsible Lending and the Problem of Self-Interest III. Responsible Lending and European Contract Law IV. Access to Information V. Post-Crisis Responses and the Mortgage Credit Directive VI. The Public-Private Problem VII. Financial Stability and Exclusion VIII. Back to Trust 5. Over-Indebtedness I. How Much is too Much? II. Legal Responses III. Causes of Over-Indebtedness and their Legal Appreciation IV. A Categorisation of Private Law Responses to Over-Indebtedness V. European Over-Indebtedness Law 6. Financial Education I. Just Gonna have to be a Different Man II. The Rise of the Policy of Financial Education III. Critical Aspects of the Policy of Financial Education IV. Interference with Contract Law Conclusion Bibliography European Institutions International Institutions National Authorities and Central Banks Index Présentation de l'éditeur : "This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, over indebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules." "This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas: access to a bank account, access to credit, overindebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules."-- Provided by Publisher "This book discusses the role of private law as an instrument to produce financial and social inclusion in a context characterised by the redefinition of the role of the State and by the financialisation of society. By depicting the political and economic developments behind the popular idea of financial inclusion, the book deconstructs that notion, illustrating the existence and interaction of different discourses surrounding it. The book further traces the evolution of inclusion, specifically in the European context, and thus moves on to analyse the legal rules which are most relevant for the purposes of bringing about the financialisation of the citizen. Hence, the author focuses more on four highly topical areas : access to a bank account, access to credit, overindebtedness, and financial education. Adopting a critical and inter-disciplinary approach, The Financialisation of the Citizen takes the reader through a top-down journey starting from the political economy of financialisation, to the law and policy of the European Union, and finally to more specific private law rules."--Bloomsbury