By J. Logemann
This quantity brings jointly historians, economists, political scientists, and anthropologists to current an international viewpoint at the new types of lending and borrowing that have become a key characteristic of twentieth-century mass shopper societies, emphasizing comparative and transnational ancient views.
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Extra info for The Development of Consumer Credit in Global Perspective: Business, Regulation, and Culture
Balaguy, Le crédit, 19–20. 10. Information flowed in the opposite direction at the beginning of the century; see chapter 7 in this volume by Gunnar Trumbull. 11. Sandrine Bertaux, “Le crédit à la consommation à travers l’histoire d’un établissement financier, le CETELEM, 1953–1984” (MA thesis, Paris Diderot University, 1990), 27–33. 12. , 33. 13. It was 3% of Cetelem’s turnover in 1966 and 19% in 1970; see Bertaux, “Le crédit à la consommation,” 40. See also Balaguy, Le crédit, 43. 14. Simon Partner, Assembled in Japan: Electrical Goods and the Making of the Japanese Consumer (Berkeley, CA, 1999).
According to this study, it was possible, thanks to credit purchases, to obtain a fivefold increase in purchasers. Only 11 percent of customers had been able to pay cash for their sets, which cost between 130,000 and 140,000 old francs on average. 44 On the other hand, the availability of credit alone did not drive the sale of televisions. ”45 Consumer credit could help the product to diffuse more rapidly only if it was selling anyway. But who bought a television set on credit? Limited Expansion among Households The social groups that used credit—especially the working classes—were also the ones that saw their durable equipment expand most quickly.
54. See chapter 8 in this volume. 55. See chapter 7 in this volume. 56. “Enquête sur le crédit à la consommation,” p. 3, Archives du Ministère de l’Industrie, versement 19771521, article 126. 57. Figures from Institut National de la statistique et des études économiques, Annuaire statistique de la France (Paris, 1960–79). 58. On this subject, see chapter 8 by Sabine Effosse. 59. Bertaux, “Le crédit à la consommation,” 17. 60. Archives Cetelem, 8-4-22. 61. “Note relative aux modalités d’intervention du CETELEM,” March 30, 1954, and “Note sur les conditions de crédit,” April 5, 1954, Archives Cetelem, 27-2-1.
The Development of Consumer Credit in Global Perspective: Business, Regulation, and Culture by J. Logemann