存款保险制度下的道德风险及对策——借鉴美国的经验

发布时间：2018-06-23 15:31

  本文选题：存款 + 保险　； 参考：《国际经济合作》2013年02期

【摘要】：正防止银行挤兑,维护金融稳定是世界各国建立存款保险制度的主要原因。但是,存款保险制度存在一个内在缺陷——道德风险。因此,如何控制道德风险成为存款保险制度构建的核心问题。1934年美国在全球首创建立存款保险制度,在此之前,部分州曾经尝试建立过存款保险。但是,无论是早期的制度还是正式制度都深受道德风险问题的困扰,尤其是造成了
[Abstract]:Preventing bank runs and maintaining financial stability are the main reasons for the establishment of deposit insurance system in the world. However, the deposit insurance system has an inherent defect-moral hazard. Therefore, how to control moral hazard becomes the core problem in the construction of deposit insurance system. In 1934, the United States established the deposit insurance system in the world, before that, some states had tried to establish deposit insurance. However, both early and formal institutions are plagued by moral hazard problems, especially as a result of
【作者单位】： 清华大学;
【分类号】：F837.12
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本文编号：2057594