Credit Research And Rational Relationship

At present, there is a serious lack of credit in the economic and social life in our country. To interpret and resolve the problem on philosophy level is an important task of philosophy researchers. From philosophical perspective, rationality is the core thought of modernity, and also the essential characteristic of modern society. In some sense, modernization means rationalization. On the other hand, credit is the basic rule of the modern economy and social activity and one of the fundamental symbols of modernization. Therefore, what is the relationship between "credit" and "rationality"? Is the lack of "credit" related to the lack of "rationality"? What is the status and role of "rationality" in the establishment of the credit system? This dissertation is going to analyze and solve these issues. In this dissertation, credit refers to the behavior, institution and consciousness of honesty and promise in economy, politics, culture and social activities. And rationality refers to the unification of the instrumental rationality and value rationality that formed in practice. This dissertation have a multi-layer research on the relationship between credit and rationality, using the method of the integrating of history and logic, the contrastive method, the method that integrates analysis and synthesis, the method that involves systematic and multi-disciplinary perspectives. This dissertation reviews the historical views and arguments on the relationship between credit and rationality in western countries and in China. In the western history, credit was always based on rationality, which is the result of evolution of rationality from the initial unification of instrumental rationality and value rationality in ancient time to the pure instrumental rationality after the Renaissance. However, in the history of China, credit was mainly based on value rationality and sensibility. The review gives us an apocalypse that we should use for reference and absorb the essence of the western credit system that was leaded by "benefit" and based on instrumental rationality, to offset the weakness in restraining force of credit which was traditionally led by "righteousness" and based on value rationality, and we should integrate the "benefit" and the "righteousness", as well as the instrumental rationality and the value rationality in the modernization process. This dissertation has some innovation on the logical analysis of the relationship between credit and rationality. Firstly, rationality is the subjective initiative precondition of the credit behavior. The motivation of credit behavior comes partially from the subjective rational reflection and computation of the instrumental motivation to realize self-goals, and partially from subjective recognition of the value and significance of credit and understanding of the real meaning of human life that is the value rational motivation. Credit behavior cannot depart from the participation of rationality. The rational "calculation" is a critical means of the credit behavior, and the credit behavior must be restricted by rational norms. The evaluation of consequences of credit behavior shall follow the criterion that unifies right and obligation. Secondly, rationality is the core thought of the credit institution. The formation and development of the credit institution is the unification of the natural evolution and construction of rationality based on subjective activities. It needs value rationality to provide the value goal and spiritual power, and it relies on instrumental rationality to recognize rightly on the social intercourse and provide method and procedure. What's more, the obedience to the credit institution relies on the self-identity and self-discipline of people's rationality. Thirdly, rationality is the dominant factor of credit consciousness. Credit consciousness includes credit cognitive consciousness, credit evaluation consciousness and credit practice consciousness. Credit cognitive consciousness depends on instrumental rationality; credit evaluatio...