金融道德风险发生机制的多维透视  被引量:5

Multidimensional Perspectives of Generating Mechanism of Financial Moral Hazard

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作  者:车亮亮[1] 

机构地区:[1]西南政法大学应用法学院,重庆401120

出  处:《华中科技大学学报(社会科学版)》2014年第1期73-79,共7页Journal of Huazhong University of Science and Technology(Social Science Edition)

基  金:重庆市社科规划青年项目(2012QNFX038);西南政法大学校级青年项目(2012-XZQN09)

摘  要:2008年美国金融危机的发生再次使金融道德风险成为学界关注的热点,在此背景下深入探讨金融道德风险的发生机制,对于防止金融道德风险乃至金融危机的发生具有重要的意义。对于金融道德风险的发生机制,可以借鉴发生学的分析范式从哲学、经济学、金融学、伦理学、法学等多维视角展开。其中,"经济人"假设是其发生的人性基础;信息不对称是其发生的经济诱因;金融脆弱性是其发生的信用土壤;道德脆弱性是其发生的伦理因子;权义结构失衡是其发生的法律根源。由此可见,金融道德风险的发生不是某一因素单独作用的产物,而是上述五大因素共同作用的必然结果。U.S. Financial Crisis in 2008 makes financial moral hazard become the focus of academic cir- ele. Under this background, it is very important to explore the generating mechanism of financial moral hazard deeply, which can prevent the occurrences of financial risks and even financial crises. The generating mecha- nism of financial moral hazard can be analyzed by rives, such as philosophy, economics, finance, ethi paradigm of embryology from multi-dimensional perspec- es and law. In this sense, the "economic man" hypothesis is the basis of human nature in generating financial moral hazard; information asymmetry is economic incen- tives of its occurrence; financial fragility is credit soil of it; moral vulnerability is ethical factor of it; structural imbalance of rights and duties is the legal origin of it. Thus we can see the occurrence of financial moral haz- ard is not the product of one factor alone, but the result from combined effect of the above factors inevitably.

关 键 词:道德风险 金融道德风险 发生机制 多维透视 

分 类 号:D922.28[政治法律—经济法学]

 

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