系统性风险、道德风险与存款保险制度

Systemic risk \ Moral risk and Deposit Insurance System

作为金融安全网重要组成部分的存款保险制度,已经成为促进一国金融稳定的一项重要的制度安排。虽然存款保险制度有助于推动金融体系的稳定,但是,一些国家的经验表明,存款保险制度在防范系统性风险时作用并不太明显。不完善的存款保险制度还有可能诱发“道德风险”问题,进一步加剧金融风险与金融危机。因此,在系统性风险发生时,应适当对存款保险制度加以调整;为避免“逆向选择”和“道德风险”,可以通过实行浮动保费等制度安排加以规避。

As the important part of the finance safety nets, the Deposit Insurance System has been the key point things to improve the stability of international finance. Although the Deposit Insurance System is benefit to international finance system, in the other words some countries practice it is not obvious to keep away the systemic risk. Non-perfect Deposit Insurance System could induce the 'Moral risk' problem, then deepen the finance risk and finance crisis. So in order to avoid the 'converse-choice' and 'moral risk', the Deposit Insurance Syatem should be adjusted, for example through the floating insurance charges, when the systemic risk happened.