我国投资文化中的忧患意识、渐进性思维和包容性思想为改革开放后金融业的快速健康发展起到了积极的作用。然而,相比发达国家的投资文化而言,当前我国投资文化还存在诸多不足和欠缺。●诚信意识和契约精神欠缺。诚信是金融业赖以生存和发展的基石,契约观念的形成和建立是现代金融文化的逻辑基础,作为金融市场良好运行所需的非正式内在制度,诚信意识 The sense of crisis, progressive thinking and inclusive thinking in China’s investment culture have played a positive role in the rapid and healthy development of the financial industry after the reform and opening up. However, compared with the investment culture of developed countries, there are still many deficiencies and shortcomings in the current investment culture in our country. ● Honesty and lack of contractual spirit. Credibility is the cornerstone of the survival and development of the financial industry. The formation and establishment of the contract concept is the logical basis of modern financial culture. As an informal internal system required for the good operation of financial markets, honesty and trust