引用
臺灣消費金融的演變及其社會經濟意義
The Development and Significance of Consumer Credit in Taiwan
作者：林寶安（Pao-An Lin） | 首次發表於 2020-07-05 | 第 27 期 June 2002
DOI：https://dx.doi.org/10.6786/TJS.200206.0107
研究論文（Research Articles）
DOI：https://dx.doi.org/10.6786/TJS.200206.0107
研究論文（Research Articles）
論文資訊 | Article information
摘要 Abstract
臺灣消費性金融肇始於1980年代，而在1990年代中期以來蓬勃發展。消費性金融初期是以企業金融與抵押性業務爲主，而後期是以開發多元化的消費性借貸和機構授信等爲主要業務。本文企圖解釋此一演變及其社會經濟意涵。
金融自由化政策造成金融體系與市場結構的演變，使得消費，性金融服務對象由企業客戶爲主演變到以個人消費者爲主。從抵押演變到信用的金融變遷是真有社會文化意義的現象。非抵押消費性金融業務的風險管理與規訓制裁便成爲消費性金融興起的基礎。
本文認爲消費性金融創造出一套新的信貸語言；民間借貸的傳統信貸語言，信用與負債基本上是鑲嵌於人際關係與信任網絡；消費性金融則在去鑲嵌化與制度化之條件下，形成個人化的信用與負債語言。
關鍵字：消費性金融、抵押貸款、信貸語言、負債、信用
金融自由化政策造成金融體系與市場結構的演變，使得消費，性金融服務對象由企業客戶爲主演變到以個人消費者爲主。從抵押演變到信用的金融變遷是真有社會文化意義的現象。非抵押消費性金融業務的風險管理與規訓制裁便成爲消費性金融興起的基礎。
本文認爲消費性金融創造出一套新的信貸語言；民間借貸的傳統信貸語言，信用與負債基本上是鑲嵌於人際關係與信任網絡；消費性金融則在去鑲嵌化與制度化之條件下，形成個人化的信用與負債語言。
關鍵字：消費性金融、抵押貸款、信貸語言、負債、信用
The consumer credit in Taiwan's financial system started in the 1980s, and progressed rapidly after the mid-1990s. The early stage was characterized by a boom of financing of mortgage loans, housing equipment loans and grouping credits. The latter stage featured diversified consumer credit ( non-collateral) loans and revolving credit loans. This paper attempts to explain the significance of this change and its social and economic implications.
The policies of financial liberalization and deregulation caused the changes of financial systems and market structrure. It also forced the banks to move their interests mainly from business clients to individual consumers. Shifting basis of financing from mortgage to credit rating was a financial change with social and cultural significance. The risk management and the disciplinary structures based on credit records of consumers became the foundation of the rise of consumer credit finance.
This paper argues that consumer credit creates a new monetary language. In the traditional monetary language, such as the rotating-credit association and personal lending, credit and debt are embedded in a guanxi (relational) and trust network. In contrast, consumer credit has institutionalized and de-embedded them. As a result, credit and debt both have become individualized.
Keywords: Consumer Credit, Mortgage Loan, Monetary Language, Debt, Credit
The policies of financial liberalization and deregulation caused the changes of financial systems and market structrure. It also forced the banks to move their interests mainly from business clients to individual consumers. Shifting basis of financing from mortgage to credit rating was a financial change with social and cultural significance. The risk management and the disciplinary structures based on credit records of consumers became the foundation of the rise of consumer credit finance.
This paper argues that consumer credit creates a new monetary language. In the traditional monetary language, such as the rotating-credit association and personal lending, credit and debt are embedded in a guanxi (relational) and trust network. In contrast, consumer credit has institutionalized and de-embedded them. As a result, credit and debt both have become individualized.
Keywords: Consumer Credit, Mortgage Loan, Monetary Language, Debt, Credit
