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| 我国存款保险制度构建中道德风险控制的设想 | |
| 引用本文： | 陈向聪. 我国存款保险制度构建中道德风险控制的设想[J]. 甘肃政法学院学报, 2006, 0(1): 118-122 |
| 作者姓名： | 陈向聪 |
| 作者单位： | 东北财经大学,辽宁,大连,116025 |
| 摘 要： | 存款保险制度在对银行存款提供保护和对危机银行进行救助的同时,也改变了存款人、投保机构、金融监管者和存款保险机构所面临的激励与约束机制,可能产生道德风险问题。中国正在研究构建中的存款保险法律制度,必须借鉴发达国家的经验,选择或安排限额赔偿、差别费率、强制投保等一系列法律制度,控制可能生成的道德风险,维护金融体系的稳定与发展。 |
| 关 键 词： | 存款保险制度 道德风险 激励机制 约束机制 |
On Imagination of the Control of Moral Risk in the Construction of Deposit Insurance in China |
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| CHEN Xiang-cong. On Imagination of the Control of Moral Risk in the Construction of Deposit Insurance in China[J]. Journal of Gansu Political Science and Law Institute, 2006, 0(1): 118-122 | |
| Authors: | CHEN Xiang-cong |
| Abstract: | The moral risk in deposit insurance exists objectively.The legal system of deposit insurance that China is studying and constructing should be built by using for reference of the experience of advanced foreign countries so as to control the possible moral risk and protect the stability and development of financial system. |
| Keywords: | deposit insurance system moral risk encouraging system restraining system |
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