储户悲观情绪传染诱发银行挤兑的模型——基于外部和内部影响因素的分析

发布时间：2018-06-24 15:53

本文选题：银行挤兑 + 储户悲观情绪传染　；参考：《暨南学报(哲学社会科学版)》2015年01期

【摘要】：银行挤兑是银行的灾难性危机,储户的悲观情绪在储户间的交互传染是诱发银行挤兑的重要因素之一。研究结果表明,不考虑外部因素的影响下,银行储户悲观情绪传染的状态取决于系统内部所有银行储户的初始平均态度,如果考虑金融权威等外部因素的影响,其正确引导是可以缓解储户之间的悲观情绪传染的。银行管理者为避免银行遭受挤兑,使银行始终处于良好的经营环境,可以从维护银行良好形象以增强储户信心、保持银行良好的流动性储备以及尽快建立和完善存款保险制度等方面入手。
[Abstract]:Bank run is a catastrophic crisis for banks, and the mutual contagion of depositors' pessimism is one of the important factors inducing bank runs. The results show that the contagion of bank depositors' pessimism depends on the initial average attitude of all bank depositors without considering the external factors, such as financial authority and other external factors. Its correct guidance can ease the contagion of pessimism among savers. In order to avoid a run on the bank and keep the bank in a good operating environment, bank managers can enhance the confidence of depositors by maintaining a good image of the bank. Maintain good bank liquidity reserves and establish and improve deposit insurance system as soon as possible.
【作者单位】：广东工业大学应用数学学院;
【基金】：广东省自然科学基金项目《银行储户悲观情绪传染诱发银行挤兑机理的建模与仿真》(批准号:S2013040014920) 广东工业大学校博士启动基金项目《储户悲观情绪传染诱发银行挤兑机理的研究》(批准号:13ZK0155)
【分类号】：F830

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