Credit Cards Consumption Embedded in Capital Systems

 已有的研究表明信用卡消费可能会对一个社会的社会结构和文化伦理产生深远的影响。然而,信用卡消费一直没有被作为一个独立的社会学议题而予以研究。现有文献对信用卡消费的社会学特质的判定有两种不同的理论视角,消费文化的视角和社会理性化的视角。本文作者认为这两种视角都只是将信用卡消费作为一种特定类型的消费模式而予以认识,从而忽略了信用卡消费现象中的两个基本事实,即消费者生活风格的内在关联性和资本体制的现实性。本文从哈贝马斯关于生活世界和系统两分的视角出发,论证了信用卡消费具有原型特征:一方面消费者在其生活世界中遵循消费实践的逻辑,另一方面信用卡体制的战略实践则服从于资本逻辑,而消费者的消费逻辑则受到信用卡体制的资本逻辑的引导和操控,形成了新的嵌入模武,即消费实践嵌入在资本体制的战略实践之中。

Researches about credit cards consumption have claimed that credit cards could deeply transform the social structure, culture and ethics in a society. However, credit cards consumption has not been taken as a special sociological issue by sociologists. There were two perspectives on the sociological nature of credit cards consumption, from the perspective of consumer culture and from the perspective of rationalization. Viewed from these two perspectives, credit cards consumption is just a kind of consumption pattern in consumer societies; meanwhile, there are two basic facts about credit cards consumption neglected by them, i.e., the inner connection of different lifestyles performed by different consumers and the existence of capital systems. Viewed from the perspective of Habermas’s lifeworld and system, the author argues that credit cards consumption is a prototype of consumption, which means there are two types of logic of practice, consumption logic followed by consumers in their

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