虚拟经济与实体经济的协调发展:基于信用扩张视角的研究

Coordinated Development Between Fictitious Economy and Real Economy:A research based on credit expansion

信用扩张直接关乎虚拟经济和实体经济的发展。本文基于马克思经济学视角从理论和实践两个层面系统分析了信用对于虚拟经济从而对于实体经济的影响机理。本文认为,信用扩张所引起的货币资本虚拟化推动了虚拟经济的扩张从而促进了实体经济的发展,但信用的盲目扩张也对两者及其协调发展带来了巨大挑战。我国的实践表明,以信用扩张为核心的金融业发展是经济发展和社会生产力发展的必然要求,也是推动实体经济发展的重要动力之一,但由于认知水平的限制和相关制度的缺失,信用的疯狂扩张又导致虚拟经济扭曲运行和信用功能发生异化,最终对实体经济产生制约作用。解决这一问题的关键是在政府监督和引导下及时让信用功能和虚拟经济发展回归本源,为实体经济高质量发展提供服务和保障。

Credit expansion is about coordinated development of fictitious economy and real economy.The paper systematically analyzes the mechanism of how credit influence fictitious economy and even real economybased on both theoretical and practical level.It shows that the virtualization of money capital caused by credit expansion promotes the expansion of both fictitious economy and real economy,whereas a blindness credit expansion may pose a huge challenge to their coordinated development.Our governance practice indicates thatfinancial development characterized by credit expansion is the necessity of productivity development andit is also the main power promoting real economy development.However,irrational credit expansion due to the restriction of cognitive level and the lack of relevant systems may distort normal functions and operations of both credit system and fictitious economy,and ultimately,restrict the development of real economy.The key to the problem is to lead credit functions and fictitious economy back to normal by government’s prompt supervision,which could guarantee high-quality development of the real economy.