家庭个体化进程中的青年金融脆弱性——基于豆瓣青年群组“负债者联盟”的网络民族志研究  

Youth Financial Vulnerability in the Era of Family Individualization:A Netnographic Study of the"Debtor Alliance"on Douban Youth Group

作　　者：程士强 CHENG Shiqiang(School of Sociology and Psychology,Central University of Finance and Economics,Beijing 100081,China)

机构地区：[1]中央财经大学社会与心理学院

出　　处：《金融评论》2024年第5期35-46,148,共13页Chinese Review of Financial Studies

基　　金：国家社科基金青年项目《互联网金融风险的空间流动性与治理机制研究》(项目批准号:20CSH065)的资助。

摘　　要：通过对青年网络群组豆瓣“负债者联盟”小组中成员的负债经历和信贷行为进行网络民族志研究,本文发现负债青年陷入了一种债务水平螺旋上升的金融脆弱性状态之中,而这背后是特定的“家庭-个人”关系在起作用。过去,青年在使用家庭资产做贷款抵押或凭借亲友关系进行大额借贷时一般需要经过家人的同意与配合,而互联网金融的兴起在很大程度上改变了这种状况。金融服务的可及性得到极大提升,金融活动高度活跃,但青年的金融消费活动从家庭等社会网络中脱离出来,失去了社会支持和社会约束,以孤立的个体身份对接互联网平台的金融业务,陷入“脱嵌”状态。金融消费者脱嵌放大了借贷行为中的有限理性困境和虚假信息甄别困境,使青年群体陷入金融脆弱性状态。所以,通过重新嵌入线下社会支持系统、借助法律法规力量进行个人债务重组等方式实现青年金融消费者的“复嵌”,是负债青年修复金融韧性、走出债务危机的有效途径。This paper applies the theory of financial vulnerability to examine the debt experiences and credit behaviors of members within the"Debtor Alliance,"a youth group on Douban,using a netnographic research approach.The findings reveal that young individuals in debt face a spiraling crisis of increasing debt levels.Historically,youth relied on family consent and cooperation when leveraging family assets for loans or seeking large-scale loans through social networks of family and friends.However,the rise of internet finance has significantly altered this dynamic.While access to financial services has expanded and financial activities have become more frequent,young people's borrowing behaviors have become disconnected from their social networks,leading to a loss of social support and constraints.As individuals,they increasingly engage with financial services provided by internet platforms in isolation.This trend toward financial individualization has widened the gap between the responsibilities placed on individuals and their practical capacity to manage debt,amplifying challenges such as bounded rationality and information asymmetry in youth lending behavior.Consequently,this isolation has heightened financial vulnerability.To enhance financial resilience and escape the debt crisis,indebted youth can benefit from financial re-socialization by re-integrating into offline social support systems and restructuring personal debt with the aid of legal and regulatory frameworks.

关 键 词：青年负债 债务螺旋 网络民族志 金融消费者脱嵌 金融脆弱性 

分 类 号：C913.5[经济管理] F832.4[社会学]