中国金融发展的道德重构

目前,信用失落行为在我国已具有社会普遍性,且上升为道德问题。信用失落是因为市场主体不能形成长期预期,而这又归因于:(1)产权不清或清晰产权不能得到尊重和保护;(2)转轨经济时期政府政策行为的无约束性及与之相关的政府不当管制。要构建现代金融道德体系,就要奠定一个基础,构筑两个机制,外加约束政府行为,其中约束政府行为是关键环节。我们要构建的道德体系属于“底限伦理”范畴,因此要正确对待功利追求与道德建设之间的关系。

Reconstruction of Morality in Financial Development of China

At present time,"credit failure"is common and has become a problem of morality.It can be attributed to the lack of long -standing expecta tion,and the results of the followin g two factors:(1)property right is in-distinct or cannot get protection effectively;(2)in the period of trans -economy,there is absence of restrictions to behaviors of the government.To reconstruct the modern system of moralit y in finance,we must set up one foun-dation,build two mechanisms,and constraint behaviors of the governmen t.The system that we want to reconstr uct belongs to"horizon morality".We must correctly handle the relati on between the construction of morality and the pursuing for fame and fortune.