| 存款保险制度的效应分析及框架构想 |
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| 引用本文： | 陈钦. 存款保险制度的效应分析及框架构想[J]. 达县师范高等专科学校学报, 2013, 23(1): 153-156 |
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| 作者姓名： | 陈钦 |
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| 作者单位： | 福州外语外贸学院财经学院,福建福州,350018 |
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| 基金项目： | 福建省教育厅B类课题“存款保险与商业保险稳定发展问题研究”（JB12364S） |
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| 摘 要： | 存款保险制度的建立是我国利率市场化改革的前提.它是应对金融恐慌的制度安排,也是解决金融机构市场退出的重要途径.存款保险制度不仅保护存款人利益,而且也是防范和化解金融风险的重要工具.以存款保险制度为研究对象,在分析存款保险制度的正面效应和负面效应的基础上,提出了建立适合我国国情的存款保险制度框架的具体构想.
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| 关 键 词： | 存款保险制度 道德风险 金融 |
Analysis of the Effect of the Deposit Insurance System and the Framework |
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| CHEN qin. Analysis of the Effect of the Deposit Insurance System and the Framework[J]. Journal of Daxian Teachers College, 2013, 23(1): 153-156 |
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| Authors: | CHEN qin |
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| Affiliation: | CHEN qin (Foreign Languages and Trade Department of Fuzhou University, Fuzhou Fujian 350018, China) |
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| Abstract: | The establishment of deposit insurance system is a prerequisite for promoting the reform of interest rate marketization in China. It is the institutional arrangements in response to the financial panic, as well as important ways to resolve the financial institutions market withdrawal. Deposit insurance system not only protects the interests of depositors, but also to guard against and defuse an important tool for financial risk. This article takes the deposit insurance system as the object of study, on the basis of the analysis of the positive effects and negative effects of the deposit insurance system, and then puts forward the framework to establish a deposit insurance system suitable for China. |
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| Keywords: | deposit insurance system moral hazard finance |
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