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作为一门处于经济学与社会学之间的交叉学科,经济社会学的既有理论能够对我们深度理解金融消费有所裨益。从金融消费的需求端来看,韦伯关于“经济行动”的概念,阐释了营利性金融消费需求产生的必然性。从金融消费的供给端来看,马克思在《资本论》中表明了“金融商品”诞生的历史事实。金融消费存在着异化的可能,可以借由消费社会理论,从社会层面解读资本拜物教与金融危机的关系,从符号层面理解金融消费中存在的消费奴役与广告劝诱。对于金融消费的保护,从波兰尼的“嵌入性”概念入手,延伸至格兰诺维特的“弱嵌入性”理论,最后尝试着用“弱嵌入”这一概念工具分析泰勒关于金融消费者保护的“双峰”理论。在金融消费者保护的制度安排中,法律扮演着不可或缺的角色。但在法律与经济的社会学探索方面,还有很长的路要走。
As an interdisciplinary subject between economics and sociology, the existing theory of economic sociology can benefit us from our deep understanding of financial consumption. From the demand side of financial consumption, Weber’s notion of “economic action” illustrates the inevitability of the demand for for-profit financial consumption. From the perspective of the supply side of financial consumption, Marx shows in “Capital Theory” the historical facts of the birth of “financial products.” There is a possibility of alienation in financial consumption. Based on the theory of consumer society, the relationship between capital fetishism and financial crisis can be interpreted from the perspective of society. From the symbolic level, consumer slavery and advertising persuasion in financial consumption can be understood. For the protection of financial consumption, starting with Polanyi’s concept of “embeddedness”, it extends to Granovetter’s theory of “weak embeddingness”, and finally tries to analyze Taylor’s concept tool “weak embedding” “Bimodal” Theory on Financial Consumer Protection. The law plays an indispensable role in institutional arrangements for the protection of financial consumers. However, there is still a long way to go in the sociology of law and economics.