摘要
介绍了理论界对于银行危机的各种解释:许多著名经济学家在宏观层面上从制度、金融史、经济周期等多角度研究银行危机,揭示其形成的内在机理。认为现代银行危机理论主要运用了博弈论和信息经济学等微观经济学的最新理论和方法;进一步从微观层面对银行危机的成因进行深入剖析,包括银行挤兑模型、信息非均衡理论、银行行为理论;要全面解释银行危机,就要将这些方面结合起来加以分析。
The explanations on bank crisis by theorists are introduced. It is pointed out that, from macro point of view, many famous economists study bank crisis at the multi-angles of system, finance history, economic cycle and so on, and discovers its inner mechanism. It is considered that, modern bank crisis theory mainly employs the latest theories and methods of micro economics such as game theory and information economics. It tries to analyze causes of bank crisis deeply. Specifically, the theories include bank-run model, disequilibrium information theory and bank behavior theory. To expound bank crisis roundly, these aspects should be combined and analyzed.
