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存款保险制度的道德风险分析

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摘要 存款保险制度是金融安全网重要组成部分,特别是随着民间资本进入银行领域和市场利率化的改革,需要存款保险制度来担保、保驾护航。但存款保险制度是把双刃剑,它既可能会助推金融不稳定,但也会减少金融不稳定带来的伤害。因此本文主要从存款保险制度容易引发四个主体的道德方面进行分析,并通过一系列制度设计来防范道德风险的发生,提高存款保险制度的有效性。
作者 姜佳
机构地区 郑州科技学院
出处 《知识经济》 2015年第15期63-63,81,共2页 Knowledge Economy
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