道德风险真的与道德无关吗——基于法伦理学视角的认知  

Does the Moral Hazard really has nothing with Morality——Cognition from the Perspective of Legal Ethics

作　　者：车亮亮 CHE Liang - liang

机构地区：[1]西北师范大学法学院

出　　处：《北方法学》2017年第6期104-111,共8页Northern Legal Science

基　　金：作者主持的2012年重庆市社科规划青年项目"民间借贷风险及其法律控制研究"(2012QNFX038);2012年西南政法大学校级青年项目"金融监管治理法律问题研究"(2012-XZQN09);2017年国家社科基金一般项目"互联网背景下我国普惠金融实现的法律机制研究"(17BFX095)的阶段性成果

摘　　要：目前,学界有关道德风险这一概念的认识存在"道德论"和"非道德论"两种相互对立的观点。事实上,这两种观点都有失偏颇,且均未对引发道德风险的制度问题,尤其是作为正式制度的法律制度对道德风险的影响给予足够的重视。作为一个跨学科的概念,道德风险确实与伦理道德密切相关,但它的确不仅仅是一个伦理道德的问题,而是一个涉及伦理、经济、法律等多领域的综合性问题。因此,对道德风险这一概念的认知应当从跨学科的视角出发,而法伦理学作为专门研究法律和伦理道德关系的交叉性学科,可以用来分析道德风险这一概念并为其有效治理提供可行的认知路径。Currently there are two opposing views on the concept of moral hazard in academic circles,namely relevant to ethic and morality and irrelevant to ethic and morality. In fact, both arguments are biasedfor they do not pay enough attention to the institutional issues which leading to moral hazard, especiallyto the legal system as a formal system affecting to moral hazard. As a cross - disciplinary concept, moralhazard is indeed closely related to ethics, but not just an ethical and moral issue, it involves comprehensiveethical, economic, legal and other elements. Therefore, the cognition of the concept of moral hazard shouldbe given from an interdisciplinary perspective, and as a specialized study of the legal and ethical cross - disciplinaryrelationship subject, legal ethics can be used to analyze the moral hazard concept and further providea viable and cognitive path for effective governance.

关 键 词：道德风险 伦理道德 法伦理学 

分 类 号：DF0[政治法律—法学理论]