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Segmented Intermediation: Advice Concepts in German Financial Services
Segmentierte Vermittlung: Beratungskonzepte im deutschen Finanzdienstleistungsbereich
[Zeitschriftenartikel]
Abstract This article focuses on classification as an ordering component in the intermediation between production and consumption in markets. Classifications and corresponding categories build the cognitive infrastructure for engagements in production, distribution, and employment and consumption. In this ar... mehr
This article focuses on classification as an ordering component in the intermediation between production and consumption in markets. Classifications and corresponding categories build the cognitive infrastructure for engagements in production, distribution, and employment and consumption. In this article I emphasize the discriminating aspects of segmentation resulting from social grouping along categories. Segmentation structures the allocation of resources by means of access restrictions and distribution mechanisms among other things. Empirically, I explore the access to the client-orientated advice of private clients in the context of financial services. Interview data suggests that advisers of "high net worth" clients are able to maintain their client-orientation against organizational constraints. As remarkable as this finding is, it also shows that segmentation leads to adverse consequences regarding access to client-oriented advice. Opening up financial advice to lower income groups is far away from implementing consumer pre-eminence. The theoretical contribution of this article is to confirm the potential of market classifications for the study of market intermediation, which will be elaborated in a prospective research agenda.... weniger
Thesaurusschlagwörter
Bundesrepublik Deutschland; Kreditmarkt; Akteur; Sozialstruktur; Finanzwirtschaft; Framing-Ansatz; sozialer Status; Marktsegmentierung; Finanzdienstleistung; Kategorie; soziale Ungleichheit; Kunde
Klassifikation
Wirtschaftssektoren
Allgemeine Soziologie, Makrosoziologie, spezielle Theorien und Schulen, Entwicklung und Geschichte der Soziologie
Freie Schlagwörter
market intermediation; financial advice
Sprache Dokument
Englisch
Publikationsjahr
2017
Seitenangabe
S. 123-151
Zeitschriftentitel
Historical Social Research, 42 (2017) 1
Heftthema
Markets and Classifications: Categorizations and Valuations as Social Processes Structuring Markets
DOI
https://doi.org/10.12759/hsr.42.2017.1.123-151
ISSN
0172-6404
Status
Veröffentlichungsversion; begutachtet (peer reviewed)