| 建立我国存款保险机制的构想 |
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| 引用本文： | 寿志敏.建立我国存款保险机制的构想[J].上海理工大学学报,2000,22(1):65-68. |
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| 作者姓名： | 寿志敏 |
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| 作者单位： | 上海理工大学商学院!上海200093 |
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| 摘 要： | 分析了国外存款保险制度的正反两方面效用，提出了根据国情，趋利避害，建立中国特色存款保险制度的基本设计：在存款保险机构的组织管理形式、职能、存款保险的范围、投保方式、保费的确立方式以及保险赔偿限额等方面作了一系列构想．
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| 关 键 词： | 道德风险 逆向选择 存款保险 风险防范 |
The design about the estsblishment of a deposit insurance system in China |
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| SHOU Zhi-min.The design about the estsblishment of a deposit insurance system in China[J].Journal of University of Shanghai For Science and Technology,2000,22(1):65-68. |
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| Authors: | SHOU Zhi-min |
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| Abstract: | In the article the analysis on the positive as well as negative effects of the deposit insurance system abroad is concerned, and a new, home-oriented design for the up-setting of the genuine deposit insurance system in China is put forward. A series of ideas has been proposed about such things as the forms of management, functions, the extent of deposit insurance, the manner of investment, the way of calculation of fees and the limitation of compensation of agents. |
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| Keywords: | moral risk adverse selection deposit insurance risk protection |
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