解析存款保险与中央银行LLR的关系

An Analysis on the Relationship between Deposit Insurance and Central Bank's LLR

我国将建立存款保险制度已是不争的事实,但国内学术界对有关存款保险制度组织形式问题的研究还不够深入,绝大多数仅局限于对国外现有的存款保险制度的优缺点加以比较分析,或是对相关文献做一些整理综述的工作,即使有个人观点,也是描述性地加以阐述。本文借鉴不完全契约理论,从微观经济学角度出发,分析了在不同条件下,存款保险与中央银行LLR之间的关系,得到了比较有意义的结果。从方法论上讲,这与前人的工作有很大的不同。最后,根据本文模型,作者提出了对我国存款保险制度组织形式选择的个人观点,并指出模型有待进一步改进的地方。

It is an indisputable fact that China is going to establish deposit insurance system,but the academics have only made some primary researches on the organizational form of the deposit insurance system,the overwhelming majority of which focus only on either analyzing the advantages and disadvantages of the existing foreign deposit insurance systems or reviewing the relevant literatures.Even though new views exist,they consist of qualitative description.This paper analyzes the relationship between the central bank's LLR and the deposit insurance system under different conditions from microeconomic perspective with incomplete contract theory.We adopt different methodology in this research.Finally,we propose suggestions on building deposit insurance system based on the model and future research directions.