Trust in financial institutions: A survey
这篇综述梳理了金融机构信任的驱动因素，区分了狭义和广义信任，并讨论了经济状况、机构行为、消费者特征等如何影响信任，对金融从业者和政策制定者理解信任机制有参考价值。
Abstract Trust in financial institutions is widely considered important. However, a clear overview of studies on the drivers of trust is missing. We intend to fill this gap in the literature. After discussing why trust in financial institutions is important, we turn to its measurement, where we distinguish between trust in one's own institution and trust in institutions in general (narrow‐scope and broad‐scope trust), and discuss how these measures differ from generalized trust (i.e. trust in other people with whom there is no direct relationship). Finally, we survey the determinants of trust in financial institutions and discuss a wide range of drivers. First, trust in financial institutions depends on the economic situation: it behaves procyclically and is negatively affected by financial crises. Second, the behavior of financial institutions matters: prudent conduct, the provision of good services and financial health have a positive effect on trust. Third, although consumer characteristics also relate to trust, many of these relationships are context‐dependent. Fourth, there is a positive association between narrow‐scope trust on the one hand and broad‐scope trust and generalized trust on the other. Last, policy measures and supervisory actions can help prevent loss of trust.