| 消费社会学视角下信用卡风险的社会来源与风险控制 |
| |
| 引用本文： | 殷文.消费社会学视角下信用卡风险的社会来源与风险控制[J].未来与发展,2009,30(9):49-52. |
| |
| 作者姓名： | 殷文 |
| |
| 作者单位： | 南京审计学院,南京大学,江苏,南京,210000 |
| |
| 摘 要： | 金融危机以及信用卡危机的爆发揭示了信用卡风险除了金融系统自身的风险以外，有其社会来源。本文指出，消费社会的欲望的不可满足性，消费社会中人们对生活风格和品味的追求以实现向上流动。风险社会所孕育的专家知识的片段性以及风险的不可估量性特征是信用卡风险的社会来源。针对这些社会来源，本文提出了信用卡风险控制的对策：开发追踪工具来测量消费者欲望状况；使用生活风格评估系统；加强消费者风险教育是降低信用卡风险的有效手段。
|
| 关 键 词： | 信用卡风险 社会来源 生活风格 风险控制 |
The Social Origin and Control of Credit Risk:a Perspective of Sociology of Consumption |
| |
| YIN Wen.The Social Origin and Control of Credit Risk:a Perspective of Sociology of Consumption[J].Future and Development,2009,30(9):49-52. |
| |
| Authors: | YIN Wen |
| |
| Institution: | YIN Wen (Nanjing Audit University,Nanjing University,Nanjing Jiangsu 210000,China) |
| |
| Abstract: | Financial crisis and credit crisis revealed that the credit risk was caused by the risk of their own financial systems and also by the society. The social origin of credit risk include：the dissatisfaction of appetence, the pursuit of life style and taste in order to achieve the upward mobility, the fragments of expert knowledge fostered by risk society and inestimable characteristic of risk. In response to these social origin, this paper presents measures to control credit risk： the development of tracking tools to measure the state of consumer desire; the use of life style assessment system; strengthen consumer risk education are the effective means to reduce the credit risk. |
| |
| Keywords: | credit risk social origin life style risk control |
| 本文献已被 维普 万方数据 等数据库收录！ |
|
