论我国建立存款保险制度的必要性——基于一个动态博弈模型的分析

A Probe into and Analysis of the Necessity of a Deposit Insurance System in China: A Dynamic Game Model

通过一个动态博弈模型的分析,可以印证一国建立存款保险制度对维护该国金融安全与稳定的必要性;而从准公共物品理论出发,能够证明由政府发挥主导作用建立存款保险制度的必然性;在我国现有国情下,实行明示存款保险制度既十分必要又非常迫切。

Through the analysis of a dynamic game model, this paper points out the necessity to establsih a deposit insurance system for a state＇s financial stability and security. Moreover, startig from theories of quasi-public goods, we may prove the necessity for the government to initiate a deposit insurancer system. Then the author shows the urgency and necessity to build an explicit deposit insurance system in China by taking into account the situation and actual conditions of our country.