Early Evidence of "Finance for Normal People" in the First Era of Globalization.

In this paper, we unearth a forgotten study of Pierre Des Essars, the director of research at the Banque de France in the late 19th century, enriched with comments from contemporary financial analysts. Des Essars provides the first and only existing example of the actual composition of French indivi...

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Publicado en:Kyklos Vol. 78; no. 2; pp. 718 - 729
Autores principales: Merli, Maxime, Parent, Antoine
Formato: Artículo
Publicado: Wiley-Blackwell May2025
Materias:
Acceso en línea:Ver este registro en EBSCOhost
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      dt: May2025
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      pub: Wiley-Blackwell
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        atl: Early Evidence of "Finance for Normal People" in the First Era of Globalization.
      aug:
        au:
          Merli, Maxime
          Parent, Antoine
        affil:
          LaRGE Research Center, EM Strasbourg Business School, University of Strasbourg, Strasbourg, France
          University Paris 8, LED, OFCE – Sciences Po and CAC‐IXXI, "Cliometrics and Complexity Institut Rhône – Alpin des Systèmes Complexes", Lyon, France
      su:
        Banque de France
        Individual investors
        Financial analysts
        Cognitive psychology
        Behavioral economics
        Nineteenth century
      sug:
        subj:
          Banque de France
          Miscellaneous Intermediation
          Individual investors
          Financial analysts
          Cognitive psychology
          Behavioral economics
          Nineteenth century
      keyword:
        behavioral portfolio theory
        cognitive psychology
        finance for normal people
        rationality of individual investors
        behavioral portfolio theory
        cognitive psychology
        finance for normal people
        rationality of individual investors
      ab: In this paper, we unearth a forgotten study of Pierre Des Essars, the director of research at the Banque de France in the late 19th century, enriched with comments from contemporary financial analysts. Des Essars provides the first and only existing example of the actual composition of French individual portfolios during the Belle Époque. By revisiting what is generally taught, our analyses show that many of the intuitions of "finance for normal people" were already present in the financial analysts' writings during the Belle Époque. Specifically, we show in an unprecedented way that these writings prefigure behavioral portfolio theory word for word a century before its emergence. In addition, our findings highlight that this popular science of investment was born from observations of individual portfolios and the objective of providing financial education for the masses. Finally, we reveal strong invariants in the construction of behavioral finance versus standard finance a century apart.
      pubtype: Academic Journal
      doctype: Article
      src: R
    language: English
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