Finance in an age of austerity: the power of customer-owned banks

In: Edward Elgar E-Book Archive

Abstract

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.

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Finance in an age of austerity: the power of customer-owned banks

Birchall, Johnston

Birchall, Johnston

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