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我国正处于市场经济的转型阶段,各项信用制度都在不断变迁与完善之中,我们很有必要去对信用进行一些经济学的思考。现代经济学的鼻祖亚当·斯密的经典著作《国富论》不仅揭示了市场经济运行的基本规律,而且构建了现代市场经济有效运转所必须遵循的道德原则和伦理秩序。尤其是他的“自利即他利”思想,对我们市场经济秩序的维护还有着重要的借鉴作用。任何交易主体都不可能单方面地实现对自身利益最大化的追求。本文试图对该思想进行一些剖析。
China is in the transitional stage of market economy. All credit systems are constantly changing and perfecting. It is very necessary for us to conduct some economic thinking on credit. The founder of modern economics Adam Smith’s classic book The Wealth of Nations not only reveals the basic laws of market economy operation, but also constructs the moral principles and ethical order that modern market economy must follow to operate effectively. In particular, his “self-serving, profit-seeking” thinking still plays an important role in safeguarding the order of our market economy. No transaction subject can unilaterally realize the pursuit of maximizing its own interests. This article attempts to analyze the idea.