儒家文化、社会信任与普惠金融  

Confucian Culture,Social Trust and Inclusive Finance

作　　者：陈颐[1] 

机构地区：[1]闽江学院经济与管理学院

出　　处：《财贸经济》2017年第4期5-20,共16页Finance & Trade Economics

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)

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。Will China＇s Confucian culture and social trust have effect on the practice of inclusive financial system？ Historical experience and theoretical study provide an affirmative answer. However, some difficulties in practice and unsolved issues in theory encourage us to reexamine this question at a micro level. Using the data from Chinese general social survey, we found the conclusions as follows. Social trust enhances inclusive financial system, while the Confucian culture weakens the popularity of inclusive financial system. The impact of social trust on inclusive financial system is on the push of social relationship, rather than a cultural oriented. Confucian culture had not penetrated into the social trust system. The influence of Confucian culture is not at the level of trust, but at the level of the family culture, the characteristic of which is ＂filial piety＂, and weakens the positive effect of income on the inclusive financial system to a certain extent. Inclusive financial system should be designed as a mechanism tilting to social interests and cultivating social rights of competency in terms of the improvement of trust system to have attributes of social responsibility. We should exert Confucian culture in accordance with the requirements of society to promote the achievement of a balance between financial inclusion and security.

关 键 词：儒家文化 社会信任 普惠金融 

分 类 号：B222[哲学宗教—中国哲学] F832[经济管理—金融学]