摘要
存款保险制度是一种金融保障制度。建立存款保险制度有利于降低金融风险,防止挤兑发生及危机扩散。当个别银行出现流动性风险时,存款人因为有了相关的法律制度作保证,不再产生巨大的恐惧心理,能避免发生挤兑风潮。同时,建立存款保险制度有利于保护存款人的利益。在投保银行面临支付危机时提供救助,在投保银行破产倒闭时依法清偿存款人的存款,从而保护了存款人的利益。
The deposit insurance system is a mechanism of financial protection, which can reduce financial risks, prevent bank runs and crisis spreading. Under the protection of relevant law, depositors do not need to panic when a bank encounters liquidity risks, so that bank run can be avoided. The deposit insurance system provides aid when assured banks facing with a crisis and pay its depositors when the bank bankrupts. So it also effectively protects the interests of depositors.
出处
《保险研究》
CSSCI
北大核心
2009年第12期67-70,共4页
Insurance Studies
关键词
存款保险
道德风险
逆向选择
deposit insurance
moral hazard
adverse selection
