存款保险核心:保险显性化?风险显性化?

The Core of Deposit Insurance System

建立存款保险制度,对于防范系统性金融风险,无疑有诸多好处,比如,更好地保障储户利益等。但同时,如果缺乏合理设计和配套制度,存款保险制度反而可能放大逆向选择和道德风险,从而加剧系统性金融风险。本文通过解析存款保险制度条例,分析了该制度对金融市场的影响,并提出风险防范措施。

Deposit Insurance System is good for preventing systematic financial risks, for example, it will better protect depositors' interests. But in the same time, if without comprehensive and reasonable supplementary supporting system, Deposit Insurance System may enlarge adverse selection and moral risks, and therefore intensify systematic financial risks. The article explains Deposit Insurance System's influence on the market by analyzing its articles and put forward related risk-preventing measures.