Collaborative Research: Uniform Small Loan Laws and Credit for Poor Americans in the Early 20th-Century

合作研究：20 世纪初美国穷人的统一小额贷款法和信贷

• 批准号: 0350530
• 负责人: Timothy Guinnane
• 金额: --
• 依托单位: Yale University
• 依托单位国家: 美国
• 项目类别: Standard Grant
• 财政年份: 2004
• 资助国家: 美国
• 起止时间: 2004-06-01 至 2008-05-31
• 项目状态: 已结题
• 来源: https://www.nsf.gov/awardsearch/showAward?AWD_ID=0350530&HistoricalAwards=false
• 关键词: Collaborative; Research; Uniform; Small; Loan

The objective of this project is to conduct the first in-depth study of the creation and passage of the Uniform Small Loan Law (USLL), an effort spearheaded by the newly established Russell Sage Foundation to regulate credit for poor people in the United States during the first decades of the twentieth century. The hope was to push exploitative and unethical lenders ("loan sharks") out of credit markets, replace them with legitimate lenders, and thereby benefit poor people as debtors. The Foundation's efforts dovetailed with the uniform law movement, but represented a hybrid strategy that used market-regulatory law to produce social welfare outcomes. The research methodology is two-pronged, combining an extensive archival analysis of the inner workings of the Foundation and its political lobbying efforts with a quantitative analysis of passage of the USLL at the state level over the period from 1906 to 1939. The latter will make use of existing data sets, supplemented by additional data gathered by the researchers.

该项目的目标是对《统一小额贷款法》（USLL）的制定和通过进行首次深入研究，该法由新成立的拉塞尔·塞奇基金会牵头，旨在规范美国贫困人口的信贷二十世纪的前几十年。他们希望将剥削性和不道德的贷款人（“高利贷者”）赶出信贷市场，用合法的贷款人取而代之，从而使作为债务人的穷人受益。该基金会的努力与统一法律运动相吻合，但代表了一种利用市场监管法产生社会福利成果的混合战略。 研究方法是双管齐下的，将对基金会内部运作及其政治游说努力的广泛档案分析与对 1906 年至 1939 年期间 USLL 在州一级通过的定量分析相结合。后者将使使用现有数据集，并辅以研究人员收集的其他数据。