局部战争期间金融机构流动性危机研究

金融机构的流动性是关系金融体系安全的最重要的因素。新中国成立以来正是由于国家明确的和隐含的存款保险制度,使得我国不良资产居高不下的金融机构没有爆发流动性危机,维持了我国金融体系的稳定性。在局部战争的条件下,我国金融机构将面临三类流动性危机:以公众信心为诱因的第一类流动性危机、以金融机构重大的资产损失为诱因的第二类流动性危机和以网络系统和数据库系统遭受重创为诱因的第三类流动性危机。这三类流动性危机的爆发将会严重危及我国金融体系的稳定性,进而威胁到战争时期我国的经济安全,因此要防范局部战争时期金融机构的流动性危机的发生和蔓延,我们对此提出了相应的政策建议。

The Study of Liquidity Crises of the Financial Institutions in View of Regional Conflict

The liquidity of financial institutions is the most important factor of the security of financial system.Since the founding of PRC,it is the explicit and implicit deposit insurance system that keeps the financial institutions away from liquidity crisis.and keeps China's financial system steady against the high percentage of the financial institutions' bad assets.Under the condition of regional conflict,there are three kinds of liquidity crises for the financial institutions: public confidence losing,huge assets losses and serious damage of network and database.Each kind would have bad effect on the stability of the financial system,and threatened the economic security.Therefore,it is necessary to prevent the liquidity crisis from occurring and extending under the regional conflict.The authors put forward some suggestions.