公民诚信、公共信任、信用评价与“道德银行”

诚信与信任具有语词的“家族相似性”和文化同源性。在传统社会，诚信与信任相关，但并不必然导致信任。在现代社会，公民诚信呈现出伦理复杂性，而与之相连的公共信任要么建立在纯粹预期之上，要么建立在利他主义价值观基础上，二者之间存在着巨大的鸿沟。信用既非诚信，也非信任，但又与二者关系密切，信用评价既能反映公民诚信状况，又能为公共信任提供制度保障。“道德银行”以信用评价为公民诚信与公共信任创建了沟通机制和反馈机制，深入挖掘“道德银行”有助于理解三个概念之间的微妙联系与区别。

Civic Honesty,Public Trust,Credit Rating and Moral Bank

As a family resemblance category, Honesty and trust have the cultural?homology. In traditional society, honesty is an important condition for?trust, but it does not necessarily lead to?trust.?In modern society, civic honesty has ethical?complexity, and trust?is based on either the expectations or?altruism?values. There is a big gap?between these two concepts. Credit is neither the same to honesty nor to trust, though it is very closely related with them. Credit rating can not only?reflect the?level of honesty, but also provide?the system safeguarding for the?public?trust. Moral bank provides communication mechanism and?the feedback mechanism?for it combines honesty?and public?trust with credit rating. A thorough exploration of Moral Bank can help understand the subtle relationships between these three?concepts