金融业道德价值与经济价值关系研究

发布时间：2018-07-08 11:15

本文选题：道德价值 + 经济价值　；参考：《西北师范大学》2014年硕士论文

【摘要】：美国金融危机的爆发与国内金融业出现问题的背后，隐含着道德价值与经济价值的博弈。因而道德价值与经济价值的关系问题就成为学术界讨论的重点问题之一。伴随市场经济的高速发展，金融业对道德价值的追求就是要完善自身，服务社会；对经济价值的追求则是要实现自身的发展；两者的关系主要体现在功利与道义的博弈上，到底道德价值与经济价值哪一个是金融业追求的目的？哪一个是为达到目的而行使的手段？金融机构及其从业者陷入两难选择，这已成为目前金融业面临的一个难题。今天，金融作为资金媒介的功能在有效发挥的同时，暴露出的道德价值与经济价值失衡问题愈加突出，其与社会发展之间的矛盾也愈加明显。以商业银行为例主要表现为：银行与客户的关系受损；银行与银行之间的无序竞争；银行与市场关系的失衡等。针对上述的种种道德现象，我国金融银行必须在密切关注经济发展带来利益的同时看到发展过程中亟待解决的道德价值与经济价值的关系问题。不难看出，在金融道德价值缺失的背后不仅有着明显的现实原因，也有着深刻的伦理原因：商业银行把最终的“功利效用”放在了首位，而忽略自身的道德义务，其冲突的根源就在于功利与道义的探讨上；商业银行把追求最大限度的经济利益放在首位，片面以经济为目的和手段，而忽视了道德在金融体系中的作用，表现为重经济目的和手段，轻道德目的和手段。要解决金融业道德价值与经济价值失衡的现象，必须立足于责任和诚信道德价值原则的视角，得出解决这些难题的一些尝试性途径：首先将道德优势转化为竞争优势；德性伦理与制度伦理有效结合，实现金融业的自我完善。与此同时，规范市场竞争，预防金融风险；加强道德价值的导向作用；践行社会主义核心价值体系，，进一步营造良好的金融伦理环境。
[Abstract]:There is a game between moral value and economic value behind the outbreak of American financial crisis and problems in domestic financial industry. Therefore, the relationship between moral value and economic value has become one of the key issues discussed in academic circles. With the rapid development of market economy, the pursuit of moral value in the financial industry is to perfect itself and serve the society; the pursuit of economic value is to realize its own development; the relationship between the two is mainly reflected in the game of utility and morality. Which is the purpose of the financial industry in terms of moral value or economic value? Which is the means to achieve an end? Financial institutions and their practitioners are in a dilemma, which has become a difficult problem facing the financial industry. Today, when the function of finance as a capital medium is effectively brought into play, the imbalance between moral value and economic value is becoming more and more prominent, and the contradiction between it and social development is becoming more and more obvious. Taking commercial banks as an example, the relationship between banks and customers is damaged; the disorderly competition between banks and banks; the imbalance between banks and markets. In view of the above moral phenomena, our financial banks must pay close attention to the benefits brought about by economic development and see the relationship between moral value and economic value which should be solved urgently in the process of development. It is not difficult to see that there are not only obvious practical reasons behind the lack of financial moral value, but also profound ethical reasons: commercial banks put the ultimate utilitarian utility in the first place, while neglecting their own moral obligations. The root of the conflict lies in the discussion of utilitarianism and morality. Commercial banks put the pursuit of maximum economic interests in the first place, taking the economy as the goal and means, but neglecting the role of morality in the financial system. It is manifested as emphasizing economic ends and means, and neglecting moral ends and means. In order to solve the imbalance between the moral value and economic value of financial industry, we must base ourselves on the perspective of the principle of moral value of responsibility and honesty, and come up with some tentative ways to solve these problems: firstly, we should transform moral advantage into competitive advantage; Moral ethics and institutional ethics are effectively combined to achieve self-perfection of the financial industry. At the same time, we should standardize market competition, prevent financial risks, strengthen the guiding role of moral value, practice the socialist core value system, and further create a good financial ethics environment.
【学位授予单位】：西北师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：B82-053

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