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本文通过对陕西白水县“社区发展基金”项目的分析,探讨了一种不同于资本主义金融的“共有金融”。其核心是以大家的共有之钱公平地为其中的每个人生钱。其特点主要表现为:第一,共有产权。在共有产权之下,没有利益追逐和资本剥削,是一种共有与个人所有的结合,它为马克思提出的“共同占有之下的个人所有制”提供了一个可能的实例。第二,共同的伦理和情感。这些包括基于拥有感的在认知和心理层面的主体建设,以及基于熟人社会中亲情的社会伦理。第三,平等主义的需求共同体。其平等主义体现在一系列的民主协商、监督和分配机制中。此外,成员彼此需求的这个共同体摆脱了“欠”与“还”的债务观念,转向了一种互惠的共生观念。
Based on the analysis of “Community Development Fund” in Baishui County, Shaanxi Province, this paper explores a “total finance” that is different from capitalist finance. At the heart of it is to make every one of them financially responsible for the money they share in common. Its characteristics mainly as follows: First, the total property rights. Under common property rights, there is no interest chase and capital exploitation. It is a combination of ownership and individual ownership. It provides a possible example for Marx’s “ownership of private property under the common ownership”. Second, common ethics and emotions. These include a sense of ownership based on the cognitive and psychological aspects of the main building, as well as social ethics based on affection in an acquaintance society. Third, the demand community of egalitarianism. Its egalitarianism is embodied in a series of mechanisms of democratic consultation, supervision and distribution. In addition, the community, members of each other’s needs, got rid of the debt concepts of “owed” and “returned” and turned to a reciprocal symbiosis.