Introduction
As the backbone of modern economies, monetary and financial systems were originally designed to facilitate resource flows, share risks, and enhance operational efficiency. However, the current financial system has drifted from its purpose due to excessive capital hoarding, the illusory prosperity of the virtual economy, and the profit-driven nature of the insurance industry. Financial tools, once intended to transmit value, have become mechanisms for capital accumulation, while their roles in risk management and social protection have been marginalized.
How can the financial system return to its essential function of serving society? This calls for a new financial framework based on independence, transparency, and efficiency. By redefining the roles of currency, banking, securities, and insurance, this framework seeks to enhance the utilization of resources, reduce capital waste, and ensure that finance truly benefits society as a whole.
Challenges of the Current Financial System
The existing financial system not only fails to address key economic issues but also exacerbates the following problems:
1. Excessive Capital Concentration and Social Inequality
- Vast amounts of capital are hoarded by a small group of holders, reducing the velocity of money and lowering the efficiency of resource allocation.
- Interest rate mechanisms and capital markets exacerbate wealth concentration, keeping ordinary workers subjugated to capital rules and widening the gap between rich and poor.
2. Detachment of the Virtual Economy from the Real Economy
- Speculative operations in stock markets, trusts, and derivatives divert substantial capital into the virtual economy, leaving the real economy underfunded.
- The bubble-like expansion of the virtual economy not only misallocates resources but also intensifies economic instability and social inequality, threatening citizens’ quality of life and societal stability.
3. Distorted Role of Commercial Insurance
- Insurance, intended to mitigate societal risks, has been turned into a tool for financial capital due to its profit-driven nature.
- Excessive capital reserves in insurance companies reduce funding efficiency and contribute to unequal resource distribution, undermining economic development.
4. Inflation and Economic Volatility
- Mismatched currency issuance and actual wealth growth lead to inflation, eroding purchasing power for ordinary residents.
- Interest rate controls fail to address economic volatility and often exacerbate cyclical crises, adding uncertainty to markets.
Core Principles of an Independent, Transparent, and Efficient Financial System
To address the challenges of the current financial system, future reforms must reshape the fundamental functions of currency and finance. A truly society-serving financial framework should revolve around the following principles:
1. Independence and Transparency of Central Banks
- Currency Issuance Linked to Wealth Growth: Abandoning interest rate controls, central banks should issue currency based on actual societal wealth growth, ensuring that the money supply matches economic demand and avoids inflation or deflation.
- Focus on Macroeconomic Regulation: Central banks should prioritize economic stability and social equity rather than intervening in capital markets.
2. Efficiency of Commercial Banks
- Currency Circulation and Management: Commercial banks should focus solely on managing the circulation, storage, and lending of money, eliminating savings and loan interest rates.
- Profit Model Transformation: Banks should operate through management fees, eradicating capital accumulation and resource waste caused by interest rate disparities.
3. Insurance Returning to Its Essential Role
- Elimination of For-Profit Commercial Insurance: Insurance should serve its original purpose of mitigating risks rather than generating profit.
- Establishment of a Combenistic Risk Management System: All individual and corporate risks should be treated as societal risks, with losses centrally managed by a Combenistic Entity.
- Higher Efficiency: Centralized management avoids redundant capital reserves, enhancing overall resource utilization.
- Lower Costs: Risk-sharing across society minimizes individual or corporate losses, strengthening overall economic security and stability.
4. Elimination of Stock Markets and Financial Derivatives
- Rejecting Speculative Capital: Abolishing stock markets, trusts, and derivative markets prevents speculative capital from distorting resource allocation.
- Advancing Social Investment Platforms: Public funds should directly support innovation, infrastructure development, and other real economy sectors, optimizing resource allocation.
Core Goals and Societal Value of Reform
1. Increasing the Velocity of Money
The flow of money is key to economic vitality. Eliminating savings and loan interest rates can shift funds from hoarding to circulation, ensuring that resources efficiently serve the real economy.
2. Reducing Capital Hoarding and Resource Waste
By eliminating the profit-driven nature of financial tools, hoarded capital can be converted into usable social resources, optimizing allocation and reducing societal costs.
3. Eliminating Inflation and Economic Volatility
Linking currency issuance to societal wealth growth ensures stable economic operation, avoiding price volatility caused by excessive or insufficient currency supply.
4. Achieving Socialized Insurance
Insurance should function as a socialized risk management tool rather than a means of capital accumulation. Centralized risk management by the Combenistic Entity reduces societal operating costs and enhances economic efficiency.
Challenges and Solutions in Implementing Financial Reform
1. Shifting Public Perceptions
The current financial system is deeply ingrained, and abolishing interest rates, stock markets, and commercial insurance may face resistance.
Solution: Educate and raise awareness among the public about the necessity and benefits of reform, building consensus gradually.
2. Building Technological Infrastructure
Efficient and transparent financial management relies on advanced technologies such as blockchain and artificial intelligence for comprehensive monitoring of fund flows and resource allocation.
Solution: Invest heavily in technological innovation and establish an open, credible financial technology platform.
3. International Coordination and Cooperation
The global financial system is highly interconnected, and isolated reforms may encounter external pressures.
Solution: Promote regional or global Combenistic financial alliances to strengthen coordination and collective support.
Social Significance of an Independent, Transparent, and Efficient Financial System
This financial reform is not merely an optimization of the current model but a profound transformation for social equity and economic sustainability:
- Serving the Real Economy: Funds are directed to production and services, fostering innovation and infrastructure development.
- Reducing Social Inequality: Shared mechanisms ensure that financial resources benefit all members of society.
- Enhancing Economic Stability: Eliminating speculative factors creates an economy based on real wealth.
- Achieving Socialized Protection: The Combenistic Entity undertakes risk-sharing, improving societal security and operational efficiency.
Conclusion
Reforming the financial system is not just about economic efficiency but also about social equity and the well-being of humanity. An independent, transparent, and efficient financial system can eliminate the profit-driven nature of capital, restore the essence of finance as a public service, and create a safer, more prosperous, and sustainable future for all.
The establishment of such a system is not for the enrichment of a select few but for the safety and happiness of every individual. Let us work together to reshape the financial system, making it a bridge for human progress rather than a tool for division.
构建独立、透明、高效的金融体系：回归金融与货币的本质
引言
货币与金融体系，作为现代经济的基础设施，原本应服务于社会，促进资源流动、分担风险、提升运行效率。然而，现行金融体系却因资本的过度囤积、虚拟经济的虚假繁荣以及保险行业的逐利化，偏离了这一初衷。金融工具从价值传递的媒介演变为资本增值的手段，风险管理与社会保障的功能被边缘化。
如何让金融体系回归服务社会的本质？ 这需要建立一个全新的金融体系，基于独立、透明和高效的原则，重新定义货币、银行、证券和保险的角色，提升资金利用效率，减少资本浪费，为社会公平与经济可持续发展提供有力支持。
当前金融体系的困境
现有的金融体系未能解决核心经济问题，反而加剧了以下挑战：
1. 资本过度集中与社会不平等
- 巨额资金长期囤积于少数资本持有者手中，导致货币流通速度下降，社会资源利用效率降低。
- 利率机制和资本市场进一步加剧财富集中，使普通劳动者长期受制于资本规则，社会贫富差距持续扩大。
2. 虚拟经济与实体经济的脱节
- 股市、信托、衍生品市场的投机性操作将大量资本引向虚拟经济，而实体经济则面临资金短缺。
- 虚拟经济的泡沫化不仅浪费社会资源，还加剧了经济波动和社会不平等，对普通民众的生活质量和社会稳定造成威胁。
3. 保险行业功能的扭曲
- 商业保险本应以分担社会风险为目标，但其逐利属性使之沦为金融资本的增值工具。
- 高额资本金的囤积降低了资金运行效率，并加剧了社会资源的不平等分配。
4. 通货膨胀与经济波动
- 货币发行与社会财富增长的不匹配导致通货膨胀，侵蚀普通居民的购买力。
- 利率调控的局限性加剧了周期性经济危机，反而增加了市场的不确定性。
独立、透明、高效金融体系的核心理念
未来的金融体系改革需要重塑货币与金融的本质功能，围绕独立、透明、高效的目标，构建一个真正服务于社会的金融框架。其主要特征包括：
1. 央行的独立性与透明性
- 货币发行与财富增长挂钩：取消利率调控，央行依据社会财富的实际增长水平发行货币，确保货币总量与经济需求匹配，避免通货膨胀或货币紧缩。
- 专注宏观调控：央行的主要职能是维护经济稳定与社会公平，而非干预资本市场。
2. 商业银行的高效性
- 货币流通与管理：商业银行专注于货币流通、存储和贷款业务，取消储蓄和贷款利息。
- 盈利模式转型：银行通过收取管理费运营，从根本上消除因利率差异导致的资本积累和资源浪费。
3. 保险回归本质
- 取消营利性商业保险：保险本质在于分担风险，而非创造财富。商业保险的逐利行为违背了这一初衷。
- 建立共益体风险管理体系：所有个人和企业面临的风险视为全社会的共同风险，由共益体集中管理损失成本。
- 效率更高：集中管理避免重复资本储备，提升社会资源的整体利用效率。
- 成本更低：通过全社会分摊风险，降低个体或企业承担的损失成本，增强社会运行的稳定性与安全性。
4. 取消股市与金融衍生工具
- 拒绝资本投机：取消股市、信托和衍生品市场，杜绝资本投机对社会资源分配的负面影响。
- 推动社会化投资平台：建立公共基金，由社会直接支持创新、基础设施建设和其他实体经济领域，优化资源配置。
改革的核心目标与社会价值
1. 提高货币流通速度
货币的流通是经济活力的关键。通过取消储蓄和贷款利息，推动资金从囤积向流通转变，确保资源高效服务于实体经济。
2. 降低资本囤积与资源浪费
通过取消金融工具的逐利属性，将囤积的资本转化为可用的社会资源，优化资源配置，减少社会成本。
3. 消除通货膨胀与经济波动
货币发行与社会财富增长挂钩，避免货币过量发行或不足引发的价格波动，确保经济稳定运行。
4. 实现保险的社会化
保险应成为社会化的风险管理工具，而非资本增值的手段。通过共益体集中管理风险，降低社会运行成本，提高经济安全性和效率。
推动金融体系改革的挑战与路径
1. 社会认知的转变
现有金融体系根深蒂固，取消利率、股市和商业保险可能引发部分群体的疑虑。
解决路径：通过教育和宣传，让公众认识到改革的必要性和长期收益，逐步建立共识。
2. 技术支持的建立
高效透明的金融管理需要依赖先进技术，如区块链和人工智能，以实现资金流动的全面监控和资源分配的优化。
解决路径：加大技术研发投资，构建开放、可信的金融技术平台。
3. 国际协调与合作
全球化金融体系相互依存，单一国家的改革可能面临外部压力。
解决路径：推动区域性或全球性的共益金融联盟，加强国际协调，形成集体支持。
独立、透明、高效金融体系的社会意义
这一金融体系的构建不仅是对现行金融模式的优化，更是对社会公平与经济可持续发展的一次深远革新：
- 服务实体经济：资金直接支持生产与服务领域，促进社会创新与基础建设。
- 降低社会不平等：通过共享机制，让金融资源普惠全体社会成员。
- 提升经济稳定性：剔除投机性因素，建立以真实财富为基础的经济运行模式。
- 实现社会化保障：共益体承担风险分担职能，提升全社会的安全性与运行效率。
结语
金融体系的改革，不仅关乎经济效率，更关乎社会公平与全人类的福祉。独立、透明、高效的金融体系能够消除资本逐利性，回归金融服务社会的本质，为全社会创造更加安全、繁荣与可持续的未来。
这一体系的建立，不是为了少数资本的增值，而是为了每个人的安全与幸福。让我们共同努力，推动金融体系的重塑，使其成为人类进步的桥梁，而非分裂的工具。