000			02151cam a22003737a 4500
003			OSt
005			20240530122520.0
008			121015s2013 enk b 001 0 eng d
020			_a9781781951835
040			_cru
042			_alccopycat
072		7	_aBUS _x004000 _2bisacsh
072		7	_aBUS _x069000 _2bisacsh
082	0	4	_a334.2 _223
100	1		_aBirchall, Johnston
245	1	0	_aFinance in an age of austerity : _bthe power of customer-owned banks _cJohnston Birchall.
260			_aU.K.: _bEdward Elgar, _c2013.
300			_aix, 235 p.
520			_a"This is a book in search of an alternative to the discredited investor-owned banks that have brought the rich countries into crisis and the world economy into a long period of austerity. It finds customer-owned banks - credit unions, co-operative banks, building societies - have hardly been affected by the crisis and continue to operate according to their organisational DNA: low-risk, close to the customer, underpinned by real savings, and still lending to SMEs to protect jobs and local economies. They are big business - in some countries with over 40% of the market - but networked in smaller, democratic societies whose origins go back to 1850s Germany. The book explores their history and current situation, measures the impact of the banking crisis, makes a systematic study of their advantages, compares them to alternatives (savings banks and micro-finance institutions), and investigates their supervision and governance structures. It provides hard evidence for the superiority of customer-owned banks." -- Back cover.
650		0	_aBanks and banking, Cooperative.
650		0	_aCredit unions.
650		7	_aBUSINESS & ECONOMICS / Banks & Banking
650		7	_aBUSINESS & ECONOMICS / Economics / General
650		7	_aBanks and banking, Cooperative.
650		7	_aCredit unions.
650		7	_aKreditmarkt.
650		7	_aKapitalmarkt.
650		7	_aFiskalpolitik.
650		7	_aFinanzkrise.
650		7	_aBank.
906			_a7 _bcbc _ccopycat _d2 _encip _f20 _gy-gencatlg
942			_2ddc _cBK
999			_c5651 _d5651