“道德银行”的存在符合大众对道德理想的追求,符合马克思主义理论和社会主义初级阶段现状,是意识形态与经济的大胆组合。“道德银行”的萧条也有其经济、道德和方法的原因。所以应采取不同的运行形式,完善运行机制,建立市场经济条件下的新型道德体系。 “Ethical Bank ” exists in line with the general public’s pursuit of moral ideal, in line with the Marxist theory and the status quo of the initial stage of socialism, is a bold combination of ideology and economy. The depression of “moral bank” also has its economy, morals and methods. Therefore, we should take different forms of operation, improve the operational mechanism and establish a new moral system under the conditions of a market economy.