La révolution du crédit en France (1852-1857) ?

Plessis, Alain

doi:10.4000/rh19.17

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“…Alain Plessis speaks of a "revolution in discount" or alternatively, "a revolution of credit" that took place between 1852 and 1857. 20 The last third of the nineteenth century, with the emergence of new specialized institutions like real-estate firms and banks in Europe, is sometimes given as the turning point 21 : specialization according to the type of loan, with specific guarantees or risk evaluations, appears synonymous with modernity compared to the more generalist work of notaries, for example, who were specialists of a specific place and clientele, not a specific type of credit. During the same period, the emergence of deposit banks with numerous local branches also disrupted the world of bills of exchange by favoring the use of banknotes and checks.…”

Section: The Dangers Of the Evolutionist Lensmentioning

confidence: 99%

For a New Approach to Credit Relations in Modern History

Lemercier

Zalc

2012

Annales (Engl. ed.)

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Credit relations have not been thoroughly examined by modern historians and are usually viewed through the lens of evolutionist narratives recounting the victory of “ economic rationality” by means of the institutionalization, formalization, and modernization of these relations, although the veritable meaning of these terms are never precisely defined. This article examines the notion of credit relations by exploring their formalization and personalization, which are viewed as two relatively compatible elements. Drawing on a survey of recent publications on the subject, this article analyzes the complementarity of the various types of people involved in credit relations, the transformation of the tools for undertaking such a transaction, and the difficulties surrounding credit in addition to the (non-)existence of sanctions.

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Section: The Dangers Of the Evolutionist Lensmentioning

confidence: 99%