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Du crédit à la consommation à la consommation de crédits. Autonomisation d'une activité économique.

Abstract : The consumer credit allows households to finance their expenses without having the money available to pay for. Of course, there is nothing new in this disconnection of the acts of buying and paying. What is new is the fact that credit practices have turned into a market. I show that : •The history of this economic activity is an history of attainment of autonomy for the credit activity from the sales activity. I study this process through three case studies : the firms Cetelem and Cofidis, and the revolving credit.•If credit prices are the same for all the clients of a credit offer, it appears that lower class households always pay more their indebtness. I propose an analyse of the indebtness practices and their costs. •Finally, I study the revolving credit sales. I highlight the fact that if sociologists have always studied embebedded credit transactions, desembedded credit transactions can also be analysed. This research is based on 42 interviews of top executives of credit firms and other actors of the market, two months of in situ observations have been done, credit firms’ archives have been analyzed and INSEE inquiry “Patrimoine” has been used.
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Hélène Ducourant. Du crédit à la consommation à la consommation de crédits. Autonomisation d'une activité économique.. Sociologie. Université Lille 1, 2009. Français. ⟨tel-01174807⟩



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