摘要
经济危机日益呈现出这样的显著特征:经济周期延长,但危机程度加深。造成这一现象的重要机制是现代信用制度:一方面,它在一定时期内弥补了储蓄不足,从而推迟了经济危机的爆发;另一方面,它又刺激了过度消费和不当投资,从而加剧了经济危机的程度。正是基于这种双重效应,为避免信贷扩张对经济危机的助长和激化,现代社会的信用体系和信贷制度就必须被限制在一定限度内,更不能将信用或信贷扩张作为推动经济增长的常态。同时,现代信用制度之所以会瓦解社会经济增长的基础,是因为它会弱化或消磨人的意志和克制力,进而降低了人们的理性程度。相应地,为缓和信用制度等造成的过度消费,就需要建立一整套提升社会责任的制度安排,而这又与注重"尽其在我"社会责任的儒家文化传统相通。
The economic crisis is increasingly showing such prominent features:economic cycle is prolonged while economic crisis is deepened.The important mechanism giving rise of these phenomena is the modern credit system.On the one hand,it makes up for the shortage of savings in a certain period of time,thus delaying the outbreak of the economic crisis.On the other hand,it stimulates excessive consumption and improper investment,thus aggravating the extent of the economic crisis.Exactly based on these dual effects,the credit system of modern society must be limited to a certain extent in order to avoid the aggravation of the economic crisis resulted from the expansion of credit,let alone take the credit expansion as a normal way to promote economic growth.Besides,the reason why modern credit system will disintegrate the foundation of social and economic growth is that it will weaken or dissipate people’s will and restraint,and then reduce people’s rationality.Accordingly,in order to alleviate the excessive consumption caused by credit system,it is needed to establish a set of institutional arrangements to enhance social responsibilities,which is in line with the Confucian cultural tradition of emphasizing the social responsibility of "do one’s utmost".
作者
朱富强
Fuqiang Zhu(China Economics Research Center,Henan University,Kaifeng,Henan Lingnan College,Sun Yat-Sen University,Guangzhou,Cuangdong)
出处
《南大商学评论》
2020年第1期39-55,共17页
Nanjing Business Review
基金
广东省创新团队项目“社会主义市场经济理论基础与政策体系”(2016WCXTD001)
关键词
经济危机
市场定价体系
信用制度
社会文化
儒家
Economic Crisis
Market Pricing System
Credit System
Social Culture
Confucianism
作者简介
朱富强(1971—),江苏丹阳人,经济学博士,河南大学中国经济学研究中心特聘教授、中山大学岭南学院副教授,主要研究领域为理论经济学。E-mail:zhufq@mail.sysu.edu.cn
