金融化与财富幻象的生成

Financialization and the Generation of Wealth Illusions

在经济全球化深度发展的今天,我国要实现经济发展方式转型,成为真正的经济大国,金融必须成为国之利器。然而,在金融化生活世界中,货币增值与实体经济运动割裂开来,依赖金融关系,借助金融杠杆成为一个自成体系的、独立的财富生成王国,从而深度抽离财富的质的规定性,带来人们财富观念的深刻变化。这种改变有其积极的社会意义。因为金融不仅是现代经济发展资源配置日益社会化的标志,也是人们现代生活方式和财富理念现代化的标志。但是,不可否认,当金融化座驾人们日常生活世界的时候,它也会在财富属性、财富生成路径、财富价值等方面给人们带来财富幻象。从财富属性的认知角度来看,金融化时代,财富属性的认知范围从实体财富走向虚拟财富,尤其是社会资产的金融化以及金融产品的商品化,使得人们在精神意识里产生关于财富属性的重新定义。财富不再被理解为是真正意义上的经济发展,而是金融市场上的虚假繁荣;从财富生成路径的认知角度来看,金融化的泛滥,财富的生产与积累机制发生了哥白尼式的革命,表现在它不需要与任何的物质生产和商品流通相关联就可以实现财富的增值。这就导致了人们在财富创造上的认知幻象,以为财富的生产和积累过程就是金融市场上金融产品的运动过程,从财富价值的认知角度来看,金融化时代,虚拟经济使财富价值发生转向,即财富成为用于投机和赌博的工具、成为不劳而获追求食利的载体和阶梯、成为抽离丰富社会关系的'净化器'。金融化把金融作为社会的本体存在所带来的财富幻象,往往造成人们财富心理的焦虑和致富行为的异化。这恰恰是我们在大力发展金融事业的时候,不得不严加防范的事情。深刻把握金融化与财富幻象生成之间的关系,对于保证金融事业的繁荣与财富观念的健康发展具有重要的现实意义。

In today’s deepening development of economic globalization,in order to achieve the transformation of economic development in China and make China a real economic power, the financial industry is a necessary tool.However, in the world of financialization, monetary value has moved separately towards the physical economy. Relying on financial relations, under the help of financial leverage, the financial market has become a self-contained, independent wealth generation kingdom. Thusly, it has deeply abstracted the essence of wealth and brought great impact on people’s modern lifestyle and wealth concept. However, it is undeniable that the financialization brings people wealth illusions on the property of wealth, wealth generation path, wealth value, etc. In terms of wealth cognition, during financialization, the cognition has changed from physical wealth to virtual wealth.Especially as the financialization of social assets and the commercialization of financial products, people have redefined the property of wealth in the spirit of consciousness. Wealth is no longer understood as a real sense of economic development, but the financial market of false prosperity. In terms of the cognition of the wealth generation path, the proliferation of financialization and Copernicus type of revolution on wealth generation and accumulation are reflected by the fact that the financial industry does not need to be associated with any material production and commodity circulation to achieve the appreciation of wealth. This leads to the cognitive illusion of wealth creation,that is, the process of wealth production and accumulation is simply the movement of financial products in financial markets. In terms of the perspective of wealth value cognition, the virtual economy has changed the wealth value. That is, wealth as a tool for speculation and gambling has become a carrier and a ladder for the pursuit of fortune and a "purifier" of the rich social relations, and has led to people’s cognitive illusion of wealth value. Financialization treating finance as the existence of the community brings the wealth illusion and causes people’s anxiety of wealth and alienation of ways to become rich. We should take strict precautions against these downsides when we are in the development of the financial industry. Profoundly grasping the relationship between financialization and generation of wealth illusion is of great practical importance to ensure the prosperity of financial industry and the healthy development of wealth concept.