Dr Guido Comparato

The Financialisation of the Citizen

Social and Financial Inclusion through European Private Law

• Gebundenes Buch

Produktbeschreibung

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.

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Produktdetails

• Hart Studies in Commercial and Financial Law
• Verlag: Bloomsbury Publishing PLC
• Seitenzahl: 232
• Erscheinungstermin: 23. August 2018
• Englisch
• Abmessung: 237mm x 132mm x 19mm
• Gewicht: 490g
• ISBN-13: 9781509919222
• ISBN-10: 1509919228
• Artikelnr.: 52625782

Autorenporträt

Guido Comparato is a lecturer in law at Birkbeck, University of London.

Inhaltsangabe

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 A. Financial Inclusion B. Market Inclusion
C. Social Inclusion III. A Just or an Inclusive Private Law? A. Social
Inclusion and Social Justice B. Market Inclusion and Access Justice IV. The
Rise of Inclusion in European Law A. Social Exclusion B. Financial
Exclusion 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 A. Contract Law Ex Ante Instruments B. Contract Law Ex
Post Instruments C. Non-Contract Law Instruments 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