资本逻辑下数字信用制度特征与内在矛盾分析

Analysis of the Characteristics and Internal Contradictions of Digital Credit System under the Logic of Capital

资本主义社会中有着剩余价值生产和实现的深刻矛盾,为了管理生产过程和促进价值实现,资产阶级创造了以银行为中心的现代信用制度,这一资本增殖利器在信息时代向网络化、虚拟化发展,形成了数字信用制度。信用制度演变过程是资本逻辑下不断修补信用表现形态、运行模式和制约方式的过程,通过概括数字信用制度基本特征,探讨数字信用制度二重性,剖析其导致危机产生的根源,才能正确理解和利用数字信用制度,顺应数字经济发展潮流,推动数字信用制度建设,促进经济健康发展。

There is a profound contradiction between the production and realization of surplus value in the capitalist society. In order to manage the production process and promote the realization of value, the bourgeoisie created a modern credit system with banks as the center. This capital proliferation tool has developed towards networking and virtualization in the information age, forming a digital credit system. The evolution process of credit system is a process of constantly repairing the forms, operating modes, and constraints of credit under the logic of capital. By summarizing the basic characteristics of digital credit system, exploring the duality of digital credit system, and analyzing the root causes of crisis, we can correctly understand and utilize digital credit system, comply with the trend of digital economy development, promote the construction of digital credit system, and promote healthy economic development.