性别与财富(DIS)积累的次贷繁荣 [5]
论文作者:Johnna Montgomerie, Brigitte Young论文属性:本科毕业论文 Thesis登出时间:2016-04-09编辑:anne点击率:15009
论文字数:8209论文编号:org201604061516438196语种:中文 Chinese地区:英国价格:$ 55
关键词:社会阶层包括次级金融部门负债银行贷款
摘要:本文建立在社会分层和财富积累的文献。我们评估如何安装的债务水平和维护这些债务相比,相对平稳的收入增长的女性户主家庭的债务水平,导致财富(存款)积累。
credit markets, respectively. 4 Redlining’ means the implicit or explicit refusal of lenders to make mortgage-credit available to neighbourhoods with large minority populations (Dymski 2009: 153). 5 Subprime loans charge higher interest rates (often as much as 125 points, or 7 % to 5 %), and also higher processing fees. The additional costs of such subprime loans are substantial. For families, who took out mortgages in 2005, a subprime loan on a median price home would translate into an extra $235 per month and $85,000 more in total payments. A high-cost subprime loan could mean an extra
$517 in payments each month and an extra $186,000 in total extra mortgage payments (US-Senate Committee Hearing, chaired by Sen. Kennedy, April 18, 2008). 6 The global liquidity surpluses amounted to $1.700 Billion in 2007. The United States alone ‘imported’ 44% of the total world surpluses (IMF 2008). 7 According to Dymski, poor households generate $6.2 billion in fees, which amounts to an annual average of $200 per households, even for the very poor (2009: 162). 8 Home equity is the most important reservoir of wealth for average American families. For black households, home equity accounts for 63 percent of total average net worth. In sharp contrast, home equity represents only 38.5 percent of average white net worth (Oliver and Shapiro 2008: 2). 9 Nigel Thrift (2001)
notes that women are a declining element of the New Economy because finance is representative of a certain kind of male role model: ‘In a world where the passion and romance of work had to be displayed on a 24/7 basis, where work today has to be half work half play in part because we spend our whole lives at the workplace, those with other responsibilities found it hard to play’ (p. 421). 10 The survey asked households whether they had used credit cards in the past year to pay for basic living expenses, such as rent, mortgage payments, groceries, utilities or insurance, because they did not have money in their checking or savings account.
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