基于国家效用函数视角的存款保险制度变迁研究

发布时间：2018-01-09 19:26

本文关键词：基于国家效用函数视角的存款保险制度变迁研究　出处：《新金融》2017年08期 　论文类型：期刊论文

【摘要】：本文对二元结构的国家效用函数进行扩展,构建了包括租金偏好、效率偏好和安全偏好的三元结构国家效用函数。不同经济发展阶段的国家效用函数中赋予三个目标变量的权重也在发生着变化,经济体制改革初期国家追求租金偏好,市场经济的发展使效率在国家效用中的权重大幅提升,随着我国经济体制改革的深入、经济的快速发展,效率得到释放的同时,不确定因素大大增加,金融安全成为政府关注的重要问题,由此决定了我国隐性存款保险制度的建立及其从隐性到显性的制度变迁过程。
[Abstract]:In this paper, the dual structure of the national utility function is extended, including the construction of rent preference. The national utility function with three structures of efficiency preference and safety preference. The weights given to three objective variables in the national utility function of different stages of economic development are also changing. At the beginning of the economic system reform, the country pursues the rent preference, and the development of the market economy promotes the efficiency in the national utility by a large margin. With the deepening of the economic system reform in our country, the rapid development of the economy. With the release of efficiency and the increase of uncertain factors, financial security has become an important issue concerned by the government, which determines the establishment of the implicit deposit insurance system in China and the process of institutional change from recessive to overt.
【作者单位】：北京大学经济学院博士后流动站;中国银行业监督管理委员会博士后工作站;
【基金】：中国博士后科学基金资助(项目编号:2017M611112)
【分类号】：F832.1;F842.0
【正文快照】： 引言根据新制度经济学中制度供求非均衡分析框架,我国的金融制度变迁是一种政府供给主导型的强制性制度变迁,国家直接控制或决定性影响着制度变迁的路径和形态。新制度经济学中假定国家作为理性经济人,具有自己的效用函数,国家在实现其效用最大化目标的过程中,也决定了制度的

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