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存款保险制度中的道德风险及其防范 被引量:1

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摘要 我国建立存款保险制度较具争议之处就在于该制度可能引发道德风险,事实上,我国现阶段已经存在着隐性的存款保险制度。建立显性的存款保险制度,尽管不能完全避免道德风险,但其风险程度要远远低于隐性的存款保险制度。如何通过建立有效的显性存款保险制度来降低道德风险,促进金融业的稳定和健康发展,是现阶段亟待解决的问题。
作者 张舒
出处 《山东财政学院学报》 2006年第1期65-66,共2页 Journal of Shandong Finance Institute
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