The Financialization of Everyday life or the Domestication of Finance?
The Financialization of Everyday life or the Domestication of Finance?
复制标题
日常生活的金融化还是金融的本土化？
DOI：
--
复制
发表时间：
2015
期刊：
影响因子：
--
通讯作者：
Zsuzsanna Vargha
中科院分区：
文献类型：
--
作者：
Léna Pellandini;F. Hammer;Zsuzsanna Vargha
学者们将治理性和表演性的概念应用于日常金融，并致力于日常生活的金融化，他们认为，日常与金融产品、信用评级系统以及促进金融企业家精神的新政治和媒体话语的接触，导致金融逻辑渗透到曾经没有经济计算的日常领域。本文通过对匈牙利抵押贷款借款人的采访，着眼于金融产品如何改变日常主观性，重点关注三个关键领域：关系，时间框架和理性。我们认为，尽管抵押贷款确实有其特定的逻辑（某些抵押贷款要求一定的时间框架，理性和关系的方法），这些逻辑几乎从来没有成功地塑造日常主观性，以自己的形象。金融是“驯化”：抵押贷款适用于现有的关系，时间结构和指导日常生活的合理性。新的主体性出现了，一种新的金融逻辑被应用到日常生活中，主要是在想当然的事情发生时：当抵押贷款被拒绝，人们面临支付困难和违约时。在这些情况下，以前的合理性惯例受到质疑，关系受到（金融）测试，时间框架根据金融逻辑重新评估。
Scholars applying notions of governmentality and performativity to everyday finance and work on the financialization of daily life suggest that the daily encounter with financial products, credit rating systems and new political and media discourses promoting a financial entrepreneurial spirit lead to the penetration of financial logic into everyday realms that were once free of economic calculation. This article, drawing on interviews with Hungarian mortgage borrowers, looks at how exactly financial products shift everyday subjectivities, by focusing on three key terrains: relationships, time frames and rationality. We argue that albeit mortgages do carry their own specific logics (certain time frames, rationalities and approaches to relationships are required by certain mortgages), these logics hardly ever succeed in shaping everyday subjectivities to their own image. Finance is ‘domesticated’: mortgages are appropriated to existing relationships, temporal structures and rationalities guiding everyday life. New subjectivities emerge and a novel financial logic is applied to everyday life mostly in cases when the take-for-granted course of events breaks down: when mortgages are denied and people face payment difficulties and defaults. In these cases, previous routines of rationality are questioned, relationships are put to (a financial) test and time frames are revaluated according a financial logic.