The Ethics Problems Studying In The Bad Debts

At present, the problem of a large amount of accounts receivable of enterprises and bad debts of bank and enterprise is very much serious in our country. This problem have caused very great influence on the economy of our country and the competitiveness of enterprise of our country in the world. At the same time there are many ethics problems in dealting with bad debts. They propose very heavy challenge to socialism constructions of spiritual civilization in our country, even have hindered the construction of spiritual civilization of our country. However, they are very necessary to study the problem of bad debts and analyse its origin cause of formation and look for countermeasures to solve it This paper proposes a land of new view to research on bad debts. It has the theoretical and actual meaning in solving the bad debts' problem.This paper thinks the immediate cause why the bad debts produce is because the social ethics construction of our country lags behind . The ethical quality of individual in sociaty is weak. The values and world outlook of individual have individualism and egoism in varying degrees. Even the administrators of some enterprises are bent solely on profit, and never consider what obligation and responsibility oneself should have.The enforcer justs think of private interests , ignoreing the fairness of the society. these have attacked creditors utilizing the law weapon to maintain one's own rights and interests. Morals appraise of the society losing its function too, it has even still been guided function negativly in some aspects. The imperfect system leads to people's morals' speculation. The credit system has not been perfect yet, This leads to the fact that enterprises do not observe credit in the course of trade; Blurry property right in the property right system of our country leads to the fact that the debts relation between bank and stated-owned enterprises is difficult to put in order. In the commission -Agency relation in the state-owned enterprise , enterprise' owner and manager have unanimous goal interests, Have played passive function on the production of the bad debts of the enterprise. Through the analysis to the origin cause of formation of bad debts, we have found there are a lot of social ethics problems in dealing with bad debts. For instance credit relations between the social individuals appear deformity. For this reason, this text make market survey with carrying on real example analyse, find by author, At bad debts in punishing for ethics problems, prove above-mentioned analysis.At last, the paper proposed countermeasure and suggestion of solve the bad debts problem aimed at the ethics problem existing in the bad debts mainly improving the. It have put forward the solution to the construction, including construction of credit ethics, construction of the law ethics and construction of property right ethics .In this paper author propose a unripe construction scheme of credit system aimed at this problem for concerned departments reference.