信用同金融资本的异化演进与社会主义制度下的信用重塑  

The Alienation Evolution of Credit and Financial Capital and the Reconstruction of Credit under the Socialist System

作　　者：孙巾雅 Sun Jinya(School of Marxism,Beijing University,Beijing 100871,China)

机构地区：[1]北京大学马克思主义学院,北京100871

出　　处：《征信》2022年第10期28-34,共7页Credit Reference

基　　金：教育部重大委托项目(19JZDZ015)。

摘　　要：信用是金融资本理论中的关键范畴,其在金融资本的形成发展中经历了三个阶段:货币支付手段产生的私人信用形式、社会资本再生产中产生的信用体系、虚拟资本过度动员造成的信用异化。信用的逻辑展开具有二重性:一方面,信用具有促进社会再生产的作用;另一方面,信用的繁荣导致投机泛滥并引发金融危机。信用的二重性是金融资本自我增值和自我否定的矛盾显现,归根结底是资本主义制度缺陷的历史显现。资本主义制度缺陷是导致信用异化的根本原因,只有通过社会主义制度的优势补位和保障,才能促进信用的良性发展。Credit is a key category in the theory of financial capital.It has experienced three stages in the formation and development of financial capital:the form of private credit produced by monetary payment means,the credit system produced by social capital reproduction,and the credit alienation caused by the excessive mobilization of virtual capital.The logic development of credit has duality:on one hand,credit has the function of promoting social reproduction;on the other hand,the credit boom leads to speculation and a financial crisis.The duality of credit is the contradiction between self-multiplication and self-negation of financial capital,which is the historical manifestation of the defects of capitalist system in the final analysis.The defects of the capitalist system are the root cause of credit dissimilation.Only through the advantage of the socialist system to complement and safeguard,can we promote the benign development of credit.

关 键 词：信用理论 金融资本 社会主义制度 信用重塑 

分 类 号：F832.9[经济管理—金融学]