银行环境中的金融滥用:为什么以及金融机构如何应对
1Faculty of Business, Economics & Law, Auckland University of Technology (AUT), Auckland, New Zealand.
概括
银行可以通过将金融滥用视为系统性伤害来打击亲密伴侣暴力 (IPV). 解决经济脆弱性和实施响应性实践对于消费者保护和社会公平至关重要.
科学领域:
- 社会科学 社会科学 社会科学
- 商业道德 商业道德
- 消费者脆弱性研究
背景情况:
- 亲密伴侣暴力 (IPV) 包括财务虐待,是一种限制财务自主性的强制控制形式.
- 银行在家庭财务方面发挥着独特的作用,人们越来越认识到他们对弱势消费者的责任.
- 现有的机构实践和金融工具可能无意中促进金融滥用和不平等的权力动态.
研究的目的:
- 在亲密伴侣暴力 (IPV) 的背景下,研究银行在解决经济损害方面的作用.
- 通过消费者脆弱性镜头来概念化银行在打击金融滥用方面的责任.
- 将理论理解转化为金融机构的实际应用.
主要方法:
- 概念分析扩大了对"系统性损害"的理解.
- 在IPV中应用消费者脆弱性框架对金融滥用.
- 关于金融滥用的说明性案例研究,以展示实际的银行干预.
主要成果:
- 金融滥用是IPV的一个重要组成部分,由机构实践实现.
- 银行拥有干预金融滥用案件的能力和道德要求.
- 由于IPV造成的消费者脆弱性需要积极的机构反应.
结论:
- 银行应积极参与预防和应对金融滥用,作为其社会作用的一部分.
- 整合消费者脆弱性镜头可以指导银行制定有效的反滥用策略.
- 积极的银行参与可以减轻经济损害,并支持亲密伴侣暴力的受害者.
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