The Three Historical Periods of Financial Intermediation for French Post (1881-2010) or how to Understand Social Stratification’s Mutations in France

Las tres edades de la intermediacion financiera del Correo (1881-2010): reveladores de los cambios en las relaciones sociales

Nadège Vezinat ()
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Nadège Vezinat: REGARDS - Recherches en Économie Gestion AgroRessources Durabilité Santé- EA 6292 - URCA - Université de Reims Champagne-Ardenne - MSH-URCA - Maison des Sciences Humaines de Champagne-Ardenne - URCA - Université de Reims Champagne-Ardenne, CMH - Centre Maurice Halbwachs - EHESS - École des hautes études en sciences sociales - CNRS - Centre National de la Recherche Scientifique - Département de Sciences sociales ENS-PSL - ENS-PSL - École normale supérieure - Paris - PSL - Université Paris Sciences et Lettres

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Abstract: Financial services of French Post have played a key role to develop savings accounts in France. Since the Third Republic, postal services are linked to the State and have taken part in the process of bancarization in France. Post's institutional trajectory participated in French banking offer and in mutations of social stratification as well. In this paper, I identify three historical periods of financial intermediation and make use of this periodization to shed a fresh light on social classes. These periods are characterized by the development of savings account for the one, by the specialization of banking products with a different relation to financial literacy as far as the second one is concerned and finally with a segmentation of customers banking since the French Post has been given the role to give access to bank services to the poor.

Keywords: bancarization; financiarization; saving money; Post Bank; State; public facilities; que se convirtió en « el banco de los pobres »; debe leerse en ese doble contexto sectorial y social; La especialización progresiva del correo; État; bancarisation; banque postale; financiarisation; épargne; service public (search for similar items in EconPapers)
Date: 2017-12-24
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Published in Revue de la régulation. Capitalisme, institutions, pouvoirs, 2017, 22, ⟨10.4000/regulation.12365⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-02612060

DOI: 10.4000/regulation.12365

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