金融如何更好地为社会和社会福祉服务——关于“日常生活金融化”的研究

How can finance serve society and social well-being better: studies of “financialisation of the everyday”

"日常生活金融化"的研究被列为金融化研究的三种主要路径之一。欧盟"金融化、经济、社会和可持续发展"项目当中很重要的一个组成部分,是关于"日常生活的金融化"或者说社会金融化的研究,即考察金融化对社会生活各个方面和社会福祉的影响。该项目有关金融化与物质文化的讨论,指出这种文化是金融化时代的风气和精神面貌。其次,家庭债务的兴起,通常被视为过去几十年金融化进程的特征之一,与金融危机的生成有关。金融化的一个重要方面,是家庭债务的急剧增长。该项目对家庭债务的增长及其与不平等的关系作了研究。其中重点是有关金融部门和福祉的实证研究。在有关社会福祉这一重要主题上,该项目重点研究了金融化与养老金的关系,以及金融化对其他社会服务提供的影响,比如对住房和供水的关注。此外,该项目还进行了一些案例研究,包括一份涉及金融化与福祉的顶层设计性质的政策报告并提出"去金融化"的建议。

The"financialisation of the everyday"has been identified as one of the three major approaches to financialisation.An important part of EU’s FESSUD project is the study of the"financialisation of the everyday"or of society,i.e.,to investigate into the influences of financialisation in areas of social life and well-being.The discussions of the project on financialisation and material culture point out that the latter is the ethos in the era of financialisation.Second,the rise of household debt has often been viewed as a characteristic of financialisation processes of the past few decades,and involved in the generation of financial crises.One of the key aspects of financialisation has been the dramatic rise of household debt.The project conducts studies of household debt,its growth and relationship with inequality,with focus on the empirical work on the financial sector and well-being.In respect of social well-being as an important topic,the project focuses on the relation between financialisation and pension,and its influences on other social provisions,such as housing and water supply.Moreover,the project also conducts some case studies,including an an overarching policy report on financialisation and well-being and its suggesttions about"de-financialisation".