存款保险制度下银行道德风险的法律控制

Legal Control on Bank Moral Hazard Under Deposit Insurance System

存款保险制度下的道德风险包括存款人道德风险、银行道德风险、监管机构道德风险,而银行的道德风险是其道德风险问题最集中的体现。因此,在我国即将建立的存款保险制度之际,有必要借鉴美国的立法改革经验,在存款保险制度下,通过让存款人、投保银行和监管者都投入一定资源的法律制度安排,加强对商业银行道德风险的控制,同时还必须通过完善银行治理结构,严格信息披露制度,培育良好的存款保险理念,审慎的监督等其他制度措施与之相配合。

The moral hazards under deposit insurance system include the moral hazards of the depositor, the bank and supervising organizations. Among all the hazards, moral hazard of the bank is the collected reflection of moral hazards. Therefore, it is necessary to draw on the experience of American legislation reform to establish a new deposit insurance system. Under deposit insurance system, legal measures shall be taken to regulate commercial bank＇s moral hazard by perfecting bank management structure and strictly adhering to information open system together with other supervising measures.