存款保险制度与农村中小银行风险承担研究

Deposit insurance and bank risk-taking:Evidence based on rural small-and-medium banks

存款保险制度是金融安全网的重要组成部分,在维护金融稳定方面发挥着重要作用。本文以2013-2018年湖南省农商行数据为例,研究存款保险制度的推出对我国农村中小银行的风险承担的影响。实证研究发现:存款保险制度的实施有效降低了农村中小银行的风险承担水平。进一步研究表明,规模大、风险低的银行在存款保险制度实施后风险承担水平降低更显著;金融竞争力较强地区的银行降低风险承担的水平更显著。在此基础上,本文提出了完善存款保险制度的对策建议。

The deposit insurance is an important part of the national financial safety net and plays an important role in maintaining financial stability. This article takes the Hunan Provincial Rural Commercial Banks data from 2013 to 2018 as an example to study the impact of the implementation of the deposit insurance on the risk-taking of rural small-and-medium banks in our country. The empirical research finds that the implementation of the deposit insurance effectively has reduced the risk-taking level of rural small-and-medium banks. Further research shows that larger-scale, lower-risk banks have reduced their risk-bearing level more significantly after the implementation of the deposit insurance. Banks in more financially competitive regions reduced risktaking more significantly. Based on the results, countermeasures and suggestions for improving the deposit insurance are put forward.