Rational Calculation and Trust: A Comparative Institutional Analysis of Emerging Credit Card Markets in Socialist and Post-Socialist and Developing Societies

该项目探讨了理性计算和信任在社会主义和后社会主义国家新兴信用卡市场贷款中的作用。该项目的基本目标是调查理性计算背后的制度条件，信任可能取代理性计算的方式以及使用一种或另一种的后果。研究人员将比较七个社会主义和后社会主义经济体的银行如何发行信用卡;这些国家代表了从计划经济过渡的三条道路，因此，银行必须谈判的三种不同背景。第一组国家（捷克共和国、匈牙利和波兰）大体上成功地完成了政治和经济转型;第二组国家（保加利亚和俄罗斯）被认为迄今未能巩固一套运作良好的制度;第三组国家（中国和越南）选择了经济转型，同时保持政治制度稳定。通过与信用卡申请人和用户以及银行和政府官员的访谈以及描述银行和信用卡实践、决策、行业组织和实践以及信用贷款和使用实践的文件收集的数据。

This project examines the role of rational calculation and trust in lending in emerging credit card markets in socialist and post-socialist countries. The fundamental goal of the project is to investigate the institutional conditions underlying rational calculation, the ways that trust may be substituted for rational calculation as well as the consequences of using one or the other. The researchers will compare how banks issue credit cards in seven socialist and post-socialist economies; these countries represent three transition paths from a command economy and, thus, three different contexts that banks must negotiate. The first group (the Czech Republic, Hungary, and Poland) has, by and large, successfully completed both a political and an economic transformation; the second group (Bulgaria and Russia) are considered so far to have failed to consolidate a well-functioning set of institutions; and the third group (China and Vietnam) has opted for an economic transformation while keeping political institutions stable. Data that will be gathered from interviews with credit card applicants and users and banking and government officials as well as from documents describing banking and credit card practices, decision making, industry organization and practices, and the practice of credit lending and usage.