信息不对称与存款保险制度

A Comment on the Relationship between Unsymmetry of Information and the Insurance System of A Savings Deposit

由于存款保险制度客观上起到了监督制度的作用 ,因而这一制度存在着内在缺陷。在我国 ,由于国家信用的存在与坚挺 ,存款保险制度的存在与发展是否可以同西方银行体系与存款保险制度的关系与作用一样 ,对待这项制度的方法是否可以完全照搬西方经验值得理论工作者与政策制订者认真研究与商榷。

Due to the Deposit Insurance System Plays A Role of Supervisory System,Hence,Such A System Exists Internal Weakness.In Our Country Because of the Government Exists Stronger Credit,Whether the Relationship and Role of Existence and Development of the Deposit Insurance System Same as the Deposit Insurance System and Western Bank System.Whether We Can Completely Draw the Experience as Reference from Western Countries concerning the Method Used for Treating This Problem.This Problem is Still Worth for the Theoretical Workers and Policy Makers Study and Discuss Conscientiously.