摘要
存款保险制度在保护存款人利益、维持公众信心等方面有着重要的作用 ,但如果这一制度不负责任地滥用时 ,也会变得非常危险。逆向选择和道德风险在存款保险中显露无疑 ,而适当的制度可以控制这些负面影响。科学的设计、严格的管理 ,以及对银行安全的其他监督是存款保险制度成功的关键。
Deposit insurance system plays an important role in protecting the interests of depositors, maintaining the confidence of the public, and so on. But this system will become dangerous if being abused irresponsibly. Inverse selection and moral hazard become obvious in this system, however some suitable system can control this negative effects. Scientific design, strict management and the other supervision on bank security are key factors leading to the success of this deposit insurance system. Therefore, flexible utility of this system is crucial to our current banking system.
出处
《财经理论与实践》
CSSCI
北大核心
2003年第2期28-31,共4页
The Theory and Practice of Finance and Economics
关键词
存款保险制度
逆向选择
道德风险
机制设计
Deposit insurance system
inverse selection
moral hazard
system design
