本文選題：道德價值 + 經(jīng)濟(jì)價值�。� 參考：《西北師范大學(xué)》2014年碩士論文

【摘要】：美國金融危機(jī)的爆發(fā)與國內(nèi)金融業(yè)出現(xiàn)問題的背后，隱含著道德價值與經(jīng)濟(jì)價值的博弈。因而道德價值與經(jīng)濟(jì)價值的關(guān)系問題就成為學(xué)術(shù)界討論的重點(diǎn)問題之一。 伴隨市場經(jīng)濟(jì)的高速發(fā)展，金融業(yè)對道德價值的追求就是要完善自身，服務(wù)社會；對經(jīng)濟(jì)價值的追求則是要實(shí)現(xiàn)自身的發(fā)展；兩者的關(guān)系主要體現(xiàn)在功利與道義的博弈上，到底道德價值與經(jīng)濟(jì)價值哪一個是金融業(yè)追求的目的？哪一個是為達(dá)到目的而行使的手段？金融機(jī)構(gòu)及其從業(yè)者陷入兩難選擇，這已成為目前金融業(yè)面臨的一個難題。 今天，金融作為資金媒介的功能在有效發(fā)揮的同時，暴露出的道德價值與經(jīng)濟(jì)價值失衡問題愈加突出，其與社會發(fā)展之間的矛盾也愈加明顯。以商業(yè)銀行為例主要表現(xiàn)為：銀行與客戶的關(guān)系受損；銀行與銀行之間的無序競爭；銀行與市場關(guān)系的失衡等。針對上述的種種道德現(xiàn)象，我國金融銀行必須在密切關(guān)注經(jīng)濟(jì)發(fā)展帶來利益的同時看到發(fā)展過程中亟待解決的道德價值與經(jīng)濟(jì)價值的關(guān)系問題。不難看出，在金融道德價值缺失的背后不僅有著明顯的現(xiàn)實(shí)原因，也有著深刻的倫理原因：商業(yè)銀行把最終的“功利效用”放在了首位，而忽略自身的道德義務(wù)，其沖突的根源就在于功利與道義的探討上；商業(yè)銀行把追求最大限度的經(jīng)濟(jì)利益放在首位，片面以經(jīng)濟(jì)為目的和手段，而忽視了道德在金融體系中的作用，表現(xiàn)為重經(jīng)濟(jì)目的和手段，輕道德目的和手段。 要解決金融業(yè)道德價值與經(jīng)濟(jì)價值失衡的現(xiàn)象，必須立足于責(zé)任和誠信道德價值原則的視角，得出解決這些難題的一些嘗試性途徑：首先將道德優(yōu)勢轉(zhuǎn)化為競爭優(yōu)勢；德性倫理與制度倫理有效結(jié)合，實(shí)現(xiàn)金融業(yè)的自我完善。與此同時，規(guī)范市場競爭，預(yù)防金融風(fēng)險；加強(qiáng)道德價值的導(dǎo)向作用；踐行社會主義核心價值體系，，進(jìn)一步營造良好的金融倫理環(huán)境。
[Abstract]:There is a game between moral value and economic value behind the outbreak of American financial crisis and problems in domestic financial industry. Therefore, the relationship between moral value and economic value has become one of the key issues discussed in academic circles. With the rapid development of market economy, the pursuit of moral value in the financial industry is to perfect itself and serve the society; the pursuit of economic value is to realize its own development; the relationship between the two is mainly reflected in the game of utility and morality. Which is the purpose of the financial industry in terms of moral value or economic value? Which is the means to achieve an end? Financial institutions and their practitioners are in a dilemma, which has become a difficult problem facing the financial industry. Today, when the function of finance as a capital medium is effectively brought into play, the imbalance between moral value and economic value is becoming more and more prominent, and the contradiction between it and social development is becoming more and more obvious. Taking commercial banks as an example, the relationship between banks and customers is damaged; the disorderly competition between banks and banks; the imbalance between banks and markets. In view of the above moral phenomena, our financial banks must pay close attention to the benefits brought about by economic development and see the relationship between moral value and economic value which should be solved urgently in the process of development. It is not difficult to see that there are not only obvious practical reasons behind the lack of financial moral value, but also profound ethical reasons: commercial banks put the ultimate utilitarian utility in the first place, while neglecting their own moral obligations. The root of the conflict lies in the discussion of utilitarianism and morality. Commercial banks put the pursuit of maximum economic interests in the first place, taking the economy as the goal and means, but neglecting the role of morality in the financial system. It is manifested as emphasizing economic ends and means, and neglecting moral ends and means. In order to solve the imbalance between the moral value and economic value of financial industry, we must base ourselves on the perspective of the principle of moral value of responsibility and honesty, and come up with some tentative ways to solve these problems: firstly, we should transform moral advantage into competitive advantage; Moral ethics and institutional ethics are effectively combined to achieve self-perfection of the financial industry. At the same time, we should standardize market competition, prevent financial risks, strengthen the guiding role of moral value, practice the socialist core value system, and further create a good financial ethics environment.
【學(xué)位授予單位】：西北師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：B82-053

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 屈曉婷;李效東;;經(jīng)濟(jì)倫理與企業(yè)的社會責(zé)任[J];北京交通大學(xué)學(xué)報(社會科學(xué)版);2007年03期

2 陳煦江;;企業(yè)社會責(zé)任成本的解構(gòu)與補(bǔ)償:理論與實(shí)證[J];財會月刊;2010年12期

3 張建軍;道德風(fēng)險與存款保險[J];南方金融;2001年10期

4 肖星,陳曉,王永勝;政府與市場為什么失靈——藍(lán)田股份引發(fā)的思考[J];管理世界;2004年08期

5 牟永生;道德價值新概念[J];貴州大學(xué)學(xué)報(社會科學(xué)版);2000年05期

6 董慧凝;陶好飛;;赤道原則:金融企業(yè)社會責(zé)任的自律規(guī)范[J];河南社會科學(xué);2011年06期

7 賈春娟;;教育善的追求與和諧社會[J];遼寧行政學(xué)院學(xué)報;2006年12期

8 陸曉禾;論經(jīng)濟(jì)價值與倫理價值[J];毛澤東鄧小平理論研究;1998年01期

9 田云鶴;郭維峰;;和諧與功利——愛爾維修利益和諧思想片論[J];內(nèi)蒙古農(nóng)業(yè)大學(xué)學(xué)報(社會科學(xué)版);2009年06期

10 鄧志國;;金融反腐倡廉制度建設(shè)的實(shí)踐與思考[J];金融縱橫;2008年09期

本文編號：2107253