Ebook , by Mehrsa Baradaran
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, by Mehrsa Baradaran
Ebook , by Mehrsa Baradaran
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Product details
File Size: 1429 KB
Print Length: 337 pages
Page Numbers Source ISBN: 0674286065
Publisher: Harvard University Press; Reprint edition (October 6, 2015)
Publication Date: October 6, 2015
Sold by: Amazon Digital Services LLC
Language: English
ASIN: B01657K1G4
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Amazon Best Sellers Rank:
#543,654 Paid in Kindle Store (See Top 100 Paid in Kindle Store)
You can’t get through Professor Baradaran’s book without becoming more informed. Over the last half decade or so, a lot has been written about the financial crisis. And Professor Baradaran has made a worthy contribution to this crisis library. She doesn’t spend a lot of time retreading what I’ve seen in other books—she doesn’t really trace the machinations associated with determining whether to save the banks, and which banks to save, or the details of the financial instruments that blew up, or much of the current intrigue.Instead, she lays out the history of banking, with a focus on its relationship to the state. Banks, she explains, have been controversial in the United States since its founding; they’re essential to grow an economy and put money where it needs to go but, by gathering money together, banks can accrue outsized power and influence.Originally, banks in the U.S. were local; only during the Civil War, when the country needed lots more money than it had, banks really become national. And even then, they were tightly regulated. That regulation ensured both that the banks received necessary support from the government, and that the banks were roughly democratic in how the treated depositors and borrowers. Even with regulation, though, banks tended to shift power to urban areas and to the wealthy, at the expense of the rural and the poor.In her book, Professor Baradaran traces several good banking movements (including credit unions and savings and loans) that were originally meant to provide banking services to a broader population than the banking industry did. She also traces the downfall of these various attempts, as they either transformed into the banks they were meant to supplement, or otherwise failed.As deregulatory pressures mounted, the banks managed to almost completely shake their social-contract obligations toward the poor, leaving the poor unbanked and at the mercy of expensive and sometimes-unsavory fringe lenders. She explains in significant detail why this state of affairs is bad, and recommends a solution (postal banking, but you’ll want to read her book to understand why).
There have been some partial solutions in the past but the hunt for profits and deregulation have always won out.Highlights what a horrible trap the unbanked (about 30% of the U.S. population) can fall into. The argument centering around: If the banking system has all this federal, that is public, support, then the banking system needs to provide services to all the public.Approachable discussion of a major problem. A few caveats: hopelessly liberal, repetitive, always returns to "It's a Wonderful Life."
Good book, lots of insight. However, it does reiterate several of the same points over and over again throughout the text, and drags on quite a bit because of this. Honestly I did not finish the book, put it down about 3/4 of the way through it. Hopefully will come back to finish it
I enjoyed reading this book. It presents a very well researched perspective on how the poor experience banking and how for them it is a curse and not a blessing. It also explains the history of banking in the United States with a particular focus on the public policy objectives which were ever present but were lost as years passed. It concludes with a practical solution to this modern problem - a public option to banking through the postal system. Highly recommended book for those interested in financial reform!
Up until the 1980's or 1990's, banks existed not just for their own benefit, but, as Baradaran argues, they found themselves in an uneasy pact with the government - they were regulated and chartered by governments to provide some benefits to the people, while being allowed to make profit. Then the social compact was destroyed; banks are now allowed to operate with essentially no thought to the general welfare, and government has abdicated what little responsibility it once had.Baradaran makes the strong case for Postal Banking (economies of scale, ubiquitous, non-profit), and notes that government's once-taken-on responsibility to provide banking services to more than the well to do could be revitalized thereof.She also makes the case that the equivalent of payday lending is a necessary service that won't go away by attempting to regulate it out of existence, as some wish to do. In describing existing payday lending and its effects on those who use it she makes the case that an alternative is sorely needed; those who must rely on such services are being buried.There is fascinating history here and clear writing which exposes a huge social problem. There is also a practical solution. I recommend buying two copies - one for yourself, and one to send to your US Representative.
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