在明末个性思潮的解放下诞生的白话短篇小说集“三言”虽然描写了恋爱自由、妇女解放等新的婚恋观,更描写了与传统的重文轻商截然不同的价值取向,但是仍然有深厚的儒家伦理文化作为支撑,另外,因果报应的观念也十分突出的体现在诸多篇章当中,并与伦理观有着密切的联系。本文简要分析了“三言”中伦理观和果报观的相互交织及其原因,认为两者都以倡善劝善为出发点,并且,伦理观的积极作用更大于因果报应观。 Although the collection of vernacular short stories “Sanyan” which was born under the emancipation of the personality trend of the late Ming dynasty did not only describe the new viewpoints of love and marriage, such as freedom of love and liberation of women, but also describe the different value orientation from the traditional heavyweights, There is still a deep Confucian ethical culture as a support. In addition, the notion of karma is also prominently embodied in many chapters and is closely related to ethics. This paper briefly analyzes the intertwined reasons and the reasons for the ethical outlook and the retribution in the Three Represents, and argues that both of them take the initiative and persuasion as the starting point, and the positive role of ethics is more than that of karma.