从道德风险角度浅析我国存款保险制度

Analyze our Country's Deposit Insurance Superficially from the Point of Moral Risk

由于信息不对称,道德风险先于存款保险制度内生于银行运行过程中,而存款保险制度的建立在一定程度上又强化了“道德风险”。因此有人反对在我国建立存款保险制度。本文试图从“道德风险”的角度浅谈在我国建立存款保险制度的设想。

Because of dissymmetry information,the moral risk existed in bank before deposit insurance.But the deposit insurance strengthens moral risk to some extent.So someone oppose an establishment of deposit insurance in our country.Here the author talks about her idea of the deposit insurance in our country from the point of moral risk.