期刊文献+

存款保险制度的道德风险分析 被引量:2

在线阅读 下载PDF
导出
摘要 在金融危机的背景下,我国正在酝酿建立存款保险制度。但同时我们应该清醒的认识到存款保险制度存在严重的道德风险,隐藏于存款人、银行、保险人三方。在制度设计之初,防范道德风险成为一个重要课题。本文构造效用模型论证了存在存款保险时会造成银行风险投资行为加剧,并利用博弈思想分别从存款人、银行、保险人三方挖掘隐藏的道德风险。最后根据研究结论给出了具有针对性的政策建议。
作者 黄磊 李韬
机构地区 宁波大学商学院
出处 《商场现代化》 2010年第25期202-204,共3页
  • 相关文献

参考文献5

二级参考文献72

  • 1钱小安.《信贷紧缩、银行重组与金融发展》[M].上海:上海人民出版社、上海三联书店,2002..
  • 2Capfio, Gerard, and Daniela Klingebiel, 1999, "Episodes of Systemic and Borderline Financial Crises, "World Bank, Financial Sector Strategy and Policy Department, Washington D.C.
  • 3Carapella, Francesca, and Giorgio Di Giorgio,2004, "Deposit Insurance, Institutions and Bank Interest Rates," Universita LUISS Guido Carli Working Paper ,January.
  • 4Demirguc - Kunt, Asl,and Edward J.Kane,2002, "Deposit Insurance around the Globe:Where Does It Work?" Journal of Economic Perspectives, Vol. 16,No.2 (Spring) ,pp. 175 - 195.
  • 5Diamond,Douglas,and Philip Dybvig,2000, "Bank Runs, Deposit Insurance, and Liquidity," Quarterly Review,Federal Reserve Bank of Minneapolis,Winter.
  • 6Folkerts-Landau, David, and Cart - Johan Lindgren, 1998, Toward a Framework for Financial Stability,International Monetary Fund.
  • 7Garcia, Gillian G.H., 1999, "Deposit Insurance: A Survey of Actual and Best Practices", IMF Working Paper, WP/99/54.
  • 8Golembe, Carter H., 1960, "The Deposit Insurance Legislation of 1933 : An Examination of Its Antecedents and Its Purpose,"Political Science Quarterly,75(2 ,June) : 181 - 200.
  • 9Hanc,George,2004, Questions on the Design of a Deposit Insurance System Summary of Responses, International Association of Deposit Insurers, February.
  • 10Kane, Edward J. ,2000, "Designing Financial Safety. Nets to Fit Country Circumstances, "World Bank mimeo.

共引文献115

同被引文献6

引证文献2

二级引证文献2

相关作者

内容加载中请稍等...

相关机构

内容加载中请稍等...

相关主题

内容加载中请稍等...

浏览历史

内容加载中请稍等...
;
使用帮助 返回顶部