儒家文化、社会信任与普惠金融

发布时间：2018-02-16 12:16

  本文关键词： 儒家文化 社会信任 普惠金融　出处：《财贸经济》2017年04期 　论文类型：期刊论文

【摘要】：中国儒家文化和社会信任是否会影响普惠金融的实践效果?历史经验和理论研究都对此做出了肯定的回答。然而,一些实践中的困境和理论上的未尽议题促使我们从微观层面上对此进行重审。通过分析中国综合社会调查数据,我们得出以下结论:社会信任促进了普惠金融的普及,而儒家文化的秉承与践行却弱化了普惠金融的惠及可能性;社会信任对普惠金融的影响更多地体现为社会关系推动的面向,而非文化推动的面向;儒家文化尚未渗透到社会信任体系之中——在金融意义上,儒家文化的影响并不表现在"信"的面向,而是嵌入到以"孝"为特征的家文化之中,并在一定程度上弱化了经济收入对普惠金融的积极作用。普惠金融的制度框架设计应以社会征信体系的完善为基础,引入社会利益倾斜机制和社会权利能力赋予机制,体现对社会责任的应有担当;同时应充分借助儒家文化与社会发展相互"合意"的一面,以文化推动并实现金融在普惠性和安全性之间的平衡。
[Abstract]:Does Chinese Confucian culture and social trust affect the practical effect of inclusive finance? Both historical experience and theoretical research have given a positive answer to this question. However, some practical dilemmas and theoretical issues have prompted us to review this issue at the micro level. Through the analysis of China's comprehensive social survey data, We draw the following conclusions: social trust promotes the popularity of inclusive finance, while the Confucian culture of adherence and practice weakens the possibility of inclusive finance; The influence of social trust on inclusive finance is reflected more by social relations than by culture. The Confucian culture has not penetrated into the social trust system in the financial sense. The influence of Confucian culture is not reflected in the face of "faith", but embedded in the family culture characterized by "filial piety". To some extent, it weakens the positive effect of economic income on inclusive finance. The institutional framework design of inclusive finance should be based on the perfection of social credit system, and introduce the mechanism of social interest preference and the ability of social rights. At the same time, we should make full use of Confucian culture and social development to promote and realize the balance between inclusiveness and security by culture.
【作者单位】： 闽江学院经济与管理学院;
【基金】：福建省社会科学规划项目“新常态下福建省普惠金融指标体系及发展评价研究”(FJ2016B088);福建省社会科学规划项目“‘一带一路’战略下两岸服务业跨界融合与包容性发展研究”(FJ2016B139)
【分类号】：B222;F832
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本文编号：1515497