市场约束、流动性援助与存款保险——基于银行审慎经营的激励兼容分析被引量：5

Market Discipline,Liquidity Salvage and Deposit Insurance

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摘要银行审慎经营是金融稳定的微观基础,而银行治理过程中利益相关者的动态均衡是银行审慎经营的保证。市场约束是利益相关者参与银行治理的外部机制,流动性援助和存款保险是维护金融稳定的安全设施,市场约束、流动性援助和存款保险的激励兼容才能增加银行审慎经营可能性。在一定的制度设施基础上,完善市场约束,减少流动性援助和存款保险带来的道德风险,建立一个市场约束、流动性援助和存款保险激励兼容的外部框架有利于银行的审慎经营。 Prudential operation of bank is a micro--basis of financial stability and it needs a dynamic equilibrium of stakeholders of bank. Market discipline is external mechanism of stakeholders to participate bank governance, Liquidity salvage and Deposit insurance is a safety net. it is advantageous to build up a frame of incentive compatibility and prudential operation to set up and perfect the mechanism of market discipline, the liquidity Salvage ,and the deposit insurance based on some institute and facilities.

作者谢朝华彭建刚

机构地区湖南大学应用经济学博士后流动站

出处《中央财经大学学报》 CSSCI 北大核心 2007年第1期48-54,共7页 Journal of Central University of Finance & Economics

基金中国博士后基金资助项目20060390874的阶段性成果

关键词市场约束流动性援助存款保险激励兼容审慎经营 Market Discipline Liquidity Salvage Deposit Insurance Incentive Compatibility Prudential Operation

分类号 F832.22 [经济管理—金融学]

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参考文献9

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