| 仅有显性存款保险制度是不够的--对我国建立存款保险制度的思考 |
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| 引用本文： | 王建军,林霄.仅有显性存款保险制度是不够的--对我国建立存款保险制度的思考[J].南昌航空大学学报,2005,7(2):17-21. |
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| 作者姓名： | 王建军 林霄 |
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| 作者单位： | 中国太平洋保险(集团)股份有限公司发展战略研究处,上海,200120;中国太平洋保险(集团)股份有限公司发展战略研究处,上海,200120 |
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| 摘 要： | 显性存款保险制度在世界范围内得到了广泛的发展,存款保险制度在国家间存在着差异,它与一个国家的经济和金融环境的诸多因素相联系.存款保险制度设计的有效性必须考虑存款保险制度对市场约束、银行稳定性、金融发展和解决金融危机的影响,并且要考虑一个国家的制度和契约环境来因地制宜地设计.在没有评估和改善信息和监管环境缺陷基础上提倡采纳显性存款保险制度从长期来看是危险的.
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| 关 键 词： | 存款保险 制度环境 成本和收益 市场约束 |
| 文章编号： | 1009-1912(2005)02-0017-05 |
| 修稿时间： | 2004年12月6日 |
The insufficiency of the overt deposit insurance system: reflections on the establishment of the deposit insurance system in our country |
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| WANG Jian-jun LIN Xiao.The insufficiency of the overt deposit insurance system: reflections on the establishment of the deposit insurance system in our country[J].Journal of Nanchang Institute of Aeronautical Technology(Social Science),2005,7(2):17-21. |
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| Authors: | WANG Jian-jun LIN Xiao |
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| Abstract: | The overt deposit insurance system is widely developed all over the world. Differences of the deposit insurance system exist between countries. The deposit insurance system has close relation with such factors as economic and financial environment of one country. As for the effectiveness of the design of the deposit insurance system, we should consider the influence of the deposit insurance system on market restraint, stability of banks, financial development and solution to the financial crisis as well as the system and contracting environment of one country. It is dangerous to adopt the overt deposit system in the long run without appraising and improving the information and supervising environment. |
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| Keywords: | deposit insurance system environment cost and income market restraint |
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