摘要
各国的实践经验表明,适当有效的存款保险制度有利于金融体系的稳定。但是,存款保险制度也存在潜在的负面影响。本文通过分析有关存款保险制度的理论和国际实践,对建立我国的存款保险制度提出具体建议。
The practical experience of various countries indicates that a proper and effective deposit insurance System is favorable to the stability of the financial system.However,the potential negative effect exists in the deposit insurance system.On the basis of analyzing the theory and world practice,this paper puts forward some suggestions to set up this system in China.
出处
《北京市财贸管理干部学院学报》
2004年第2期43-45,共3页
Journal of Beijing Institute of Finance and Commerce Management
关键词
存款保险
道德风险
逆向选择
代理问题
deposit insurance
moral hazard
adverse selection
agericy problems
