金融治理的社会学探究：一个多层制度分析框架
作者简介:向静林，中国社会科学院社会学研究所副研究员（北京100732）
基金项目:
本文为国家社会科学基金青年项目“数字时代的地方金融风险治理研究”（22CSH032）的阶段性成果
摘要: 对于理解金融治理的复杂性而言，金融学既有的金融监管研究思路尚存不足，迫切需要其他学科视角、理论和方法的介入。经济学与社会学的制度分析各有比较优势，同时又存在互通互鉴的理论空间，二者的深度融合可以为理解金融治理现象提供更具基础性和分析性的理论工具。借鉴威廉姆森的多层次理论模型思路，对经济学和社会学的制度分析脉络进行尝试性融合，建构“制度环境—治理体制—合约安排”的三层制度分析框架，并对我国数字金融领域的网络借贷治理现象进行解读。研究表明，多层制度分析有助于解释单层制度分析难以完全覆盖的现象，揭示不同层面制度的影响范围、界定内容、变迁速率以及它们之间的交互作用，为打开金融治理黑箱、理解金融治理复杂性提供一种可能的分析路径。
Sociological Exploration of Financial Governance:A Multilevel Institutional Analysis Framework
Abstract: For understanding the complexity of financial governance, the existing research approaches to financial regulation in finance are still insufficient, so there is an urgent need for the involvement of other disciplines’ perspectives, theories, and methods. The institutional analysis of economics and sociology each has comparative advantages, while there is also a theoretical space for mutual learning. The deep integration of them can provide more fundamental and analytical theoretical tools for understanding financial governance phenomena. Using Williamson’s multi-level theoretical model for reference, this research attempts to integrate the institutional analysis context of economics and sociology to construct a three-level institutional analysis framework of “institutional environment—governance system—contractual arrangement”, and by which to interpret the phenomenon of online lending governance in the field of digital finance in China. This research has shown that multi-level institutional analysis can help to explain the phenomena that cannot be fully covered by single-level institutional analysis, that is revealing the scope of influence, defined content, frequency of change of different levels of institutions and the interaction between them, thereby providing a possible analytical path for opening the black box of financial governance and understanding the complexity of financial governance.
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