| 论存款保险制度的消极影响和对策 |
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| 引用本文： | 胡唯一,王晓航.论存款保险制度的消极影响和对策[J].江西教育学院学报,2008,29(3):84-87. |
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| 作者姓名： | 胡唯一 王晓航 |
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| 作者单位： | 东北财经大学,辽宁大连,116023 |
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| 摘 要： | 存款保险制度是一种金融保障制度，其目的是为金融体系提供一张安全网，防止存款人因个别金融机构倒闭而对其他金融机构失去信心引发挤兑，导致银行恐慌和金融危机，但其消极影响也不容忽视。在我国即将推出存款保险制度之际，研究该制度实施中可能带来的不良影响及对策，具有重要的现实意义。
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| 关 键 词： | 存款保险制度 存款性金融机构 逆向选择 道德风险 |
The Negative Impacts of the Deposit Insurance System and the Countermeasures |
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| Hu Wei-yi,Wang Xiao-hang.The Negative Impacts of the Deposit Insurance System and the Countermeasures[J].Journal of Jiangxi Institute of Education,2008,29(3):84-87. |
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| Authors: | Hu Wei-yi Wang Xiao-hang |
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| Institution: | (Dongbei University Of Finacnce ＆ Economics Da Lian 116023 ,China) |
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| Abstract: | The deposit insurance system is one kind of financial security systems.It can offer a safety net for financial system and can prevent the customers from losing confidence due to the closure ofan individual financial institution,triggering runs and causing banks/ panic financial crisis.However,it has a negative impact.In China it is time to launch the deposit insurance system and at this time studying the potential adverse effects and countermeasures in the implementation of the system has important practical significance. |
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| Keywords: | deposit insurance system deposit financial institution adverse selection moral hazard |
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