道德风险真的与道德无关吗——基于法伦理学视角的认知

Does the Moral Hazard really has nothing with Morality——Cognition from the Perspective of Legal Ethics

目前,学界有关道德风险这一概念的认识存在"道德论"和"非道德论"两种相互对立的观点。事实上,这两种观点都有失偏颇,且均未对引发道德风险的制度问题,尤其是作为正式制度的法律制度对道德风险的影响给予足够的重视。作为一个跨学科的概念,道德风险确实与伦理道德密切相关,但它的确不仅仅是一个伦理道德的问题,而是一个涉及伦理、经济、法律等多领域的综合性问题。因此,对道德风险这一概念的认知应当从跨学科的视角出发,而法伦理学作为专门研究法律和伦理道德关系的交叉性学科,可以用来分析道德风险这一概念并为其有效治理提供可行的认知路径。

Currently there are two opposing views on the concept of moral hazard in academic circles,namely relevant to ethic and morality and irrelevant to ethic and morality. In fact, both arguments are biasedfor they do not pay enough attention to the institutional issues which leading to moral hazard, especiallyto the legal system as a formal system affecting to moral hazard. As a cross - disciplinary concept, moralhazard is indeed closely related to ethics, but not just an ethical and moral issue, it involves comprehensiveethical, economic, legal and other elements. Therefore, the cognition of the concept of moral hazard shouldbe given from an interdisciplinary perspective, and as a specialized study of the legal and ethical cross - disciplinaryrelationship subject, legal ethics can be used to analyze the moral hazard concept and further providea viable and cognitive path for effective governance.