| 存款保险制度的理性反思 |
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| 引用本文： | 王转意.存款保险制度的理性反思[J].科技情报开发与经济,2005,15(17):86-87. |
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| 作者姓名： | 王转意 |
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| 作者单位： | 山西信托投资公司,山西,太原,030002 |
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| 摘 要： | 介绍了存款保险制度的涵义，在此基础上对存款保险制度与道德风险、逆向选择、委托代理、资源配置、经济周期等方面进行理性反思，以期对中国建立存款保险制度有所借鉴。
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| 关 键 词： | 存款保险制度 存款人利益 金融安全 理性反思 |
| 文章编号： | 1005-6033（2005）17-0086-02 |
| 收稿时间： | 2005-05-31 |
| 修稿时间： | 2005年5月31日 |
The Rational Considerations about the Deposit Insurance System (DIS) |
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| WANG Zhuan-yi.The Rational Considerations about the Deposit Insurance System (DIS)[J].Sci-Tech Information Development & Economy,2005,15(17):86-87. |
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| Authors: | WANG Zhuan-yi |
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| Institution: | WANG Zhuan-yi |
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| Abstract: | This paper introduces the connotation of the deposit insurance system (DIS), and based on this, makes the rational considerations about the DIS and moral risk, the reverse selection, the entrusted agency, the resources configuration, and the economic cycle, etc., which can be used as for reference in establishing the DIS in China. |
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| Keywords: | interest of depositor financial security rational consideration |
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