普惠金融的文化语境——来自CGSS的经验数据  

The Cultural Context of Inclusive Finance:An Empirical Analysis Based on CGSS Data

作　　者：陈颐[1,2] Chen Yi(School of Economics and Management, Minjiang University, Fuzhou 350108, China CARD in Fujian ,Zhejiang University ,Fuzhou 350108, China)

机构地区：[1]闽江学院经济与管理学院,福建福州350108 [2]浙江大学CARD福建分中心,福建福州350108

出　　处：《金融经济学研究》2017年第2期118-128,共11页Financial Economics Research

基　　金：国家自然科学基金面上项目(71573114);福建省社会科学规划项目(FJ2016B139);福建省科技计划项目软科学研究(2017R0081)

摘　　要：基于中国综合社会调查CGSS2010年数据的研究结果表明,在金融意义上,儒家文化的影响表现为差序格局之下以"孝"为特征的面向,并在一定程度上弱化了经济收入促进金融普惠的作用;儒家文化形成的对普惠金融发展的制约作用,并不能让人们绝对性地否定这种文化对社会发展的价值;制度设计上应充分发挥儒家文化在制度均衡上的积极作用,形成金融的社会利益倾斜机制和社会权利能力机制,凸显普惠金融应有的社会责任性。Based on the data of CGSS 2010,this paper finds that from the financial sense,Confucian culture,characterized by family culture of ＂ filial piety＂ under the pattern of difference sequence,weakens the positive effects of income on inclusive finance to a certain extent. However,the reverse choice of inclusive finance caused by Confucian culture should never lead to the complete deny of the culture＇s value to social development. The inclusive finance should make good use of Confucian culture＇s positive role in equilibrium and shoulder its social responsibilities by taking both social interests and cultivation of social rights into account.

关 键 词：儒家文化 普惠金融 社会责任 

分 类 号：F832.35[经济管理—金融学]