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Communication Dans Un Congrès Année : 2009

Informations and social control on credit markets: from face-to-face to economic identification

Résumé

In the development of work on credit, many studies have concentrated on face-to-face credit whether in anthropology, in pre-industrial history, on financial markets, or in the context of micro-credit. Credit, then, is confined within small worlds that operate as tools for collecting information and that exert social control over the duration of debt. The diversity of forms of institutionalization of credit has been especially well worked on. The formalization of networks around various institutions—notaries in the France of the ancien régime, big industrial firms in post-communist economies, credit reports and credit bureaus in the United States and then in all industrial societies—has allowed markets to form at a greater remove from borrowers through the progressively formalized collection of information. This output from information specialists has been accompanied by increased legal output for the control of debtors at a distance, via the contractualization of credit, based on state tools for identifying market actors (identity papers, etc.) as a social condition for the applicability of law.The most recent period is marked by varied styles, depending on country, of monopolization by banking and finance of both credit and of economic identification. The extreme automation of information collection (credit scoring, rating agencies, etc.) progressively removes face-to-face relations from the credit relation, making economic identification tools (bank account details, credit cards, etc.) the entry conditions to socially very remote markets. Banks guarantee the economic identification of actors, changing consumer/seller relations into cash transactions, and confining credit to banking relations.
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Dates et versions

hal-02813084 , version 1 (06-06-2020)

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  • HAL Id : hal-02813084 , version 1
  • PRODINRA : 282249

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Gilles Laferté. Informations and social control on credit markets: from face-to-face to economic identification. 21. Annual Meeting SASE, Society for the Advancement of Socio-Economics (SASE). FRA., Jul 2009, Paris, France. ⟨hal-02813084⟩

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