摘要
存款保险制度在对银行存款提供保护和对危机银行进行救助的同时,也改变了存款人、投保机构、金融监管者和存款保险机构所面临的激励与约束机制,可能产生道德风险问题。中国正在研究构建中的存款保险法律制度,必须借鉴发达国家的经验,选择或安排限额赔偿、差别费率、强制投保等一系列法律制度,控制可能生成的道德风险,维护金融体系的稳定与发展。
The moral risk in deposit insurance exists objectively. The legal system of deposit insurance that China is studying and constructing should be built by using for reference of the experience of advanced foreign countries so as to control the possible moral risk and protect the stability and development of financial system.
出处
《甘肃政法学院学报》
CSSCI
2006年第1期118-122,共5页
Journal of Gansu Political Science and Law Institute
关键词
存款保险制度
道德风险
激励机制
约束机制
deposit insurance system
moral risk
encouraging system
restraining system
