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Finance as Commons

Bernard Paranque

出版	SSRN, 2016
URL	http://books.google.com.hk/books?id=ovb_zgEACAAJ&hl=&source=gbs_api

註釋

We live in a world where money is the medium underpinning the circulation of goods and services. Without money it is impossible if not to survive at least to have access to basic products, including cultural or educational ones. From this perspective, Gaël Giraud proposes to analyse finance based on two of its functions -- liquidity and credit. Finance as Commons could be organised on the basis of these two qualities of money, one of which makes it possible to free oneself from debt or to make a purchase when one so wishes, and the other authorises one to plan for the future or face up to uncertainties when liquidity is lacking. Like any other "Commons", "Finance as Commons" is a resource to which access is relatively easy (low exclusion of "consumers/users") but where rivalry is high (the consumption of one unit reduces the amount available for others). At the same time, this implies reflecting on one's access, thinking about its renewal. The latter can only be guaranteed by the capacity to save that those involved can provide following mobilisation of the financial resource; in other words, loans produce deposits.