摘要
银行存款保险制度自1933年在美国实施以来,已为世界上70多个国家所效仿,其在避免因银行倒闭引发储户挤兑、保障存款人存款安全及维护金融秩序稳定方面,确实功不可没。但是,一些国家银行存款保险制度中存在的“道德风险”、“逆向选择”及“大则不倒”等问题,客观上影响了存款保险制度功效的发挥。为此笔者提出了实施基于风险的差别费率制及采取强制性投保方式等法律对策。
The deposit insurance system of the United States has been adopted by more than seventy countries since it was established. It can avoid the panicky conversion,safeguarding the depositors's interests and keep the financial situation sound. But the problems, such as the problem of moral hazard, the problem of adverse selection and the problem of too big to fail, affect actually the function of this system. This dissertation gives some advices on how to solve these problems.
出处
《西安财经学院学报》
2005年第6期86-89,共4页
Journal of Xi’an University of Finance & Economics
关键词
银行存款保险制度
道德风险
逆向选择
大则不倒
the deposit insurance system
the problem of moral hazard
the problem of adverse selection
the problem of too big to fail