金融信号的社会嵌入特征与空间重组机制--以银行贷前调查活动为例  

Social Embeddedness and Spatial Restructuring of Financial Signals:Taking Banks'Pre-loan Investigation Activities as an Example

作　　者：户雅琦 张樹沁 Hu Yaqi;Zhang Shuqin

机构地区：[1]北京大学深圳研究生院城市规划与设计学院 [2]中央财经大学社会与心理学院 [3]北京大学邯郸创新研究院

出　　处：《中国社会科学院大学学报》2023年第1期140-155,160,共17页Journal of University of Chinese Academy of Social Sciences

基　　金：国家社会科学基金一般项目“社会金融化的特征、动力和影响研究”(21BSH087);河北省创新能力提升计划项目软科学研究专项“平台科技创新推动乡村振兴发展的机制和路径研究”(21556103D)的阶段性成果。

摘　　要：本研究基于对中国某商业银行贷前调查的田野观察,探讨了金融信号的社会嵌入特征,以及在贷前调查中信号的空间重组机制。本研究发现,由于“信号经营者”的存在,经济学信号理论假定的围绕共识信号形成的互动常常难以实现,此时信贷员会通过线下互动空间重组经营活动中的弱信号,将其整合为支持授信决策的强信号,其中具有社会嵌入特征的信号是展开授信决策的关键信号类型,由此构成了信贷活动中长期稳定的调查技巧。金融社会学的后续研究可以更多地围绕金融实践本身展开研究,而不仅仅是作为金融学已有解释体系的补充。Based on the fieldwork observation of a commercial bank's pre-loan investigation in China,this paper explores the characteristics of social embeddedness of financial signals and the spatial restructuring mechanism of signals in the pre-loan investigation.It finds that due to the existence of“signal operators”,the interaction around consensus signals assumed by the signaling theory is often difficult to achieve.At this time,loan officers will restructure the weak signals in business activities through offline interactive space and integrate them into strong signals supporting credit decision making.Among them,the signals with social embeddedness are the key signal type for credit decision making,thus constituting the long-term stable investigation techniques for credit activities.This study emphasizes that subsequent studies of financial sociology should focus more on the financial practice itself,rather than merely supplement the existing explanatory system of finance.

关 键 词：金融信号 社会嵌入 空间重组 

分 类 号：C91[经济管理]