摘要
在银行挤兑和存款保险的理论研究方面,Byrant、Diamond和Gibbons等人提出的模型各有侧重,但都不能解释银行挤兑事件中的非理性行为。本文运用行为金融的期望理论和心理账户对低效率均衡出现的原因以及存款保险制度的作用和银行救助进行了分析,指出我国建立存款保险制度的必要性和意义。
The models of Byrant, Diamond and Gibbons about the bank runs and the deposits insurance system have their merits and focus, but none of them can fully explain the irrational behavioral in the cases of bank runs. In this paper, the author attempts to analyze the reasons behind mental account＇s emergence with low efficient equilibrium and the role of deposits insurance system and bank bailouts using expectation theory. Based on the analysis, the author indicates the necessity and importance to set up deposit insurance system in China.
出处
《南方金融》
北大核心
2009年第6期33-36,共4页
South China Finance
关键词
银行挤兑
存款保险
行为金融
期望理论
Bank Run
Deposits Insurance
Behavioral Finance
Expectation Theory
