存款保险中的道德风险问题

Moral Hazard Issues in Deposit Insurance

作为金融安全的一个重要组成部分,存款保险制度在维护公众对金融机构的信心方面有着重要的意义。然而,存款保险制度正处在发展中,因此也形成了道德风险的负面影响。降低道德风险是存款保险制度建立时应考虑的因素,但是存款保险制度的基本目标,应当定位为防止银行挤兑。通过确保满足存款保险制度成功的先决条件,以及合理设计存款保险制度本身的规则,提出深化银行业改革;完善监管机制;健全风险评价体系;健全社会信用体系,提倡风险理念这样四条建议。

As an important component of financial security, the deposit insurance system plays an important role in maintaining public confidence in financial institutions. However, the deposit insurance system is still under development, so it also has the negative impact of moral hazard. Reducing moral hazard is a factor that should be considered when establishing the deposit insurance system, but the basic goal of the deposit insurance system should be to prevent bank runs. By ensuring that the prerequisites for the success of the deposit insurance system are met and the rules of the deposit insurance system itself are reasonably designed, four suggestions are put forward: deepening the reform of the banking industry;improving the regulatory mechanism;improving the risk evaluation system;improving the social credit system and promoting the risk concept.