摘要
存款保险制度是一国金融安全网的重要组成部分。我国到目前为止实际上运行的是隐性的存款保险制度。相较于正式的即显性存款保险制度,隐性存款保险存在很多方面的缺陷和不足。自20世纪末亚洲金融危机以来,要求我国建立正式存款保险制度的呼声越来越高,相关的制度设计和实际操作层面的研究也越来越多。基于当前我国金融市场发展的前景,本期特组织关于我国存款保险制度的专题研究,以期对我国存款保险制度的构建和发展提供些许参考和依据。
because of its inducing moral hazard,Explicit Deposit Insurance System(EDIS)is often criticized opposed to being introduced into China.However,such argument overlooked existing Implicit Deposit Insurance System(IDIS) and failed to compare the EDIS and IDIS;so the above understanding of EDIS minght be misleading.This paper tries to put EDIS and IDIS into a comparative framework and compares their differences in the avoidance of banking runs and protection for small-medium depositors etc,which helps to understand more deeply deposit insurance system and to some extent settle the debates on the introduction of EDIS into China.
出处
《河南社会科学》
CSSCI
北大核心
2008年第3期38-41,共4页
Henan Social Sciences
关键词
存款保险制度
道德风险
显性存款保险
隐性存款保险
implicit deposit insurance system
explicit deposit insurance system
comparison and analysis
revelations
