摘要
"发起人风险兜底"既有先例可循,也有法律基础可依,并具有极其重要的经济价值。在降低有限责任与存款保险所导致的道德风险、加强银行股东和其他债权人的自律监管力度、缓解政府救助压力并保障社会公众利益等方面会有帮助。在实践中应在资本充足性、偿付能力、放弃优先债权、分担救助成本四个方面给予承诺。
The risk of fallback has both examples and legal basis. It carries a very important economic value. It helps reduce the moral risk of the limited liability and deposit insurance, improve self-supervision of the bank shareholders and other creditors,reduce the relief pressure of the government,and assure social public interest. During practice,it should be given agreement on capital adequacy,solvency,giving up priority claim and sharing the cost of relief.
出处
《河北经贸大学学报》
CSSCI
北大核心
2016年第3期76-80,共5页
Journal of Hebei University of Economics and Business
关键词
民营银行
风险兜底
加重责任
道德风险
自律监管
风险控制
隐性担保制度
Private Bank
Risk Fallback
Aggravated Responsibility
Moral Hazard
Self-supervision
Risk Management
Implicit Guarantee System
