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Comment les salariés suédois sont devenus des consommateurs de produits dinanciers: L'expérience des 'comptes chèques salariaux' dans le années 1950 et 1960
Uppsala University, Disciplinary Domain of Humanities and Social Sciences, Faculty of Social Sciences, Department of Economic History.
2015 (French)In: Critique Internationale, ISSN 1290-7839, E-ISSN 1777-554X, Vol. 69, no oct-dec, 99-118 p.Article in journal (Refereed) Published
Abstract [en]

In the late 1950s Swedish commercial banks started to offer payroll services to employers and open current accounts with chequebooks for both white- and blue-collar employees. Within a decade Swedish wage earners were turned into bank customers and the commercial banks – formerly solemn institutions serving business and the very richest – became retail companies selling a wide range of products to a broad public. The paper investigates, through the case of so-called cheque account salaries, the cultural challenges posed by the exceptionally early bancarisation (spread of the use of banking services) in Swedish society. I argue against over-emphasising the individual self-governing financial subjects depicted in Foulcauldian studies of the financialisation process. The making and control of new financial subjects in Sweden was made possible, at least during its first phase, by technologies and discourses rooted in a more directly disciplinary and hierarchical value system impregnated by class (as defined by production rather than consumption). Collective affiliations of groups of employees, building on wage earner identities, rather than on consumer identities, proved to be instrumental in the financialisation of everyday life. The new everyday consumers of financial products were created in a back and forth movement between the older subject positions and the models imagined for the new. Furthermore, my study demonstrates that the prevalent chronology of the financialisation of daily life in Europe can be traced further back in time.

Abstract [fr]

Dans la seconde moitié des années 1950, les banques commerciales suédoises ont offert aux employeurs de gérer leur service de paie et ouvert des comptes chèques aux employés et aux ouvriers. En une décennie, les salariés sont devenus des consommateurs de services financiers, et les établissements bancaires – jusque-là augustes institutions au service exclusif des entreprises et des riches particuliers –, des débitants de produits grand public. Les problèmes culturels soulevés par la bancarisation précoce de la société suédoise sont étudiés ici à travers le cas de ces « comptes chèques salariaux ». La fabrication et le contrôle de nouveaux sujets financiers ont été rendus possibles, au début, par des techniques et des discours enracinés dans des valeurs traditionnelles et des identités de classe, autrement dit collectives : l’identité de salarié a joué un rôle essentiel dans la financiarisation de la vie quotidienne. Les nouveaux sujets financiers ont été créés dans un mouvement de va-et-vient entre ces vieilles identités et les modèles imaginés pour les nouvelles. Le cas suédois révèle par ailleurs qu’il faut reculer de plusieurs années, par rapport aux évaluations habituelles, la datation de la financiarisation de la vie quotidienne en Europe.

Place, publisher, year, edition, pages
Paris: SciencePo. Les Presses , 2015. Vol. 69, no oct-dec, 99-118 p.
Keyword [en]
financialisation, domestication of finances, financial subjects, class, 1960s, banks
National Category
Social Sciences Economic History Sociology
Research subject
Economic History
URN: urn:nbn:se:uu:diva-270673OAI: oai:DiVA.org:uu-270673DiVA: diva2:890327
The Jan Wallander and Tom Hedelius Foundation

Engelsk titel: From wage earners to financial consumers. Cheque account salaries in Sweden in the 1950s and 1960s.

Översatt från engelska till franska av Rachel Bouyssou

Available from: 2016-01-03 Created: 2016-01-03 Last updated: 2016-07-20Bibliographically approved

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