摘要
我国金融体制改革的目的是要建立现代银行制度 .“优胜劣汰”的改革会使一些金融机构退出金融市场 .保护存款者利益、构建良好的改革氛围要求我国考虑建立存款保险制度 .存款保险制度能有效降低改革中银行挤兑及银行恐慌发生的可能性 .通过分析存款保险制度的利弊并结合我国实际情况 ,提出中国有必要建立自己的存款保险制度的建议 .
The objective for the reform of China finance system is to build modern banking system. This reform is sure to kick some financial institution out. To protect the depositors interests and construct a favorable atmosphere for reconstruction, it is time for China to consider to build deposit insurance mechanism. The deposit insurance can reduce the probability of bank run and even bank panic effectively.By trading off the revenues and costs of the deposit insurance, according to China's real conditions, the author suggests it be necessary to set up the deposit insurance in China.
出处
《中原工学院学报》
CAS
2002年第2期5-7,14,共4页
Journal of Zhongyuan University of Technology
基金
国家自然科学基金 (70 0 72 0 2 2 )
