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信息不对称与存款保险建设

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摘要 在国际金融危机席卷全球的今天,为维护金融稳定,我国的显性存款保险制度即将出台。而中国的存款保险制度之所以在十余年来久议未行,与信息不对称的普遍存在息息相关。本文分析了信息不对称在存款保险体系中所导致的逆向选择和道德风险问题,并提出缓解方案,在国际国内经济形势异常严峻的今天,理性剖析显性存款保险制度的出台。
作者 吴军
出处 《今日科苑》 2009年第2期216-217,共2页 Modern Science
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