中国商业银行间存款保险制度博弈分析

The Game Analysis of Deposit Insurance Among Commercial Banks in China

通过存款保险制度下商业银行之间的博弈分析证明:一国的市场纪律约束、监管手段与水平都影响着存款保险的实施效果,良好的监管制度有利于存款保险制度带来的积极效应发挥,否则,可能给金融体系带来更大的风险。由于我国监管制度不完善,信息披露机制匮乏,银行经营不透明,造成存款保险制度带来的道德风险难以控制,所以建立存款保险制度,完善我国的监管制度和提高我国监管水平、政策执行能力显得十分必要。

The game analysis of commercial banks in deposit insurance system proves that the domestic market rules, management methods and management system affect the implemental effect of the deposit insurance system. Perfect management system favors deposit insurance system to exert its positive function, or else it may bring damage to the financial system. Because of the imperfection of management system,the lack of information issuance and the opacity of bank operation,the moral risks of deposit insurance system is difficult to control. So it is necessary to establish the deposit insurance system and to improve the management system and ability to carry out policies.