刍议存款保险制度框架的“存款”界定被引量：4

On the Deposits Definition under the Framework of Deposit Insurance System

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摘要学术界对存款有多种理解视角,其中契约视角较好地解释了存款保险的必要性和意义。本文以契约视角为出发点,通过分析存款的不稳定性、挤兑和存款保险之间的关系,以及存款的微观结构和设计机制,创新性地提出了纳入存款保险制度保障范围的"存款"界定标准,并将该标准应用于保本性理财产品和大额存单的实例分析。 The academic understandings of deposits are on a variety of perspectives,and the contractual perspective explains the necessity and significance of deposit insurance very well.In this paper,on the basis of the contractual perspective,we analyze the relationship between deposit instability,bank runs and deposit insurance,and discuss the deposit micro- structure and mechanism design,then put forward the defining criteria of 'deposit' in the scope of deposit insurance coverage,and apply those criteria to the case analysis of the guaranteed financial products and the certificates of deposit

作者刘鸿伟

出处《金融发展评论》 2016年第6期150-157,共8页 Financial Development Review

关键词存款存款保险保障范围契约挤兑 Deposit Deposit Insurance Coverage Contract Bank Runs

分类号 F832.1 [经济管理—金融学]

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参考文献8

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