金融监管中的道德风险问题

The Problem about Moral Hazard in Financial Supervision

金融交易中委托一代理关系双方的信息不对称会产生道德风险问题 ,金融监管产生的一个重要原因就是为了消除双方的信息不对称 ,矫正金融交易中的道德风险。但金融监管并未完全消除道德风险 ,本文从金融交易中的道德风险入手 ,具体分析了存款保险制度、最后贷款人制度下的道德风险以及监管者自身的道德风险 ,最后提出了几条有效的防范措施。

Moral hazard induced by the asymmetric information between principal and agent in finance transaction. Finance supervision arises from eliminating asymmetric information, and rectifies the moral hazard of finance transaction, but finance supervision can't eliminate all moral hazard. This article intends to start from the derivation of moral hazard in finance transaction. We elaborately analyze the moral the moral hazard under deposit insurance system and last lender system and the moral hazard of the supervisor himself. At last we are trying to provide some useful methods guard against the moral hazard of finance supervision.