| 基于横截面数据的存款保险费率和资本充足率的一致性研究 |
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| 引用本文： | 陈磊. 基于横截面数据的存款保险费率和资本充足率的一致性研究[J]. 金陵法律评论, 2010, 0(2) |
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| 作者姓名： | 陈磊 |
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| 作者单位： | 北京邮电大学经济管理学院; |
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| 摘 要： | 存款保险费率是评价商业银行风险的重要指标,根据每个商业银行的市场表现可确定其不同的存款保险费率;资本充足率是商业银行抵抗风险的重要保证,资本充足率越高表示商业银行的风险越低。这两个指标对商业银行风险水平的评价本来应该是一致的,但采用多种方法对目前中国上市银行进行检验,都表明其一致性较低。揭示导致这种不一致性的原因,可为这一研究的深入提供新的方向。
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| 关 键 词： | 存款保险费率 资本充足率 比较 |
The Consistency between Capital Adequacy and the Price of the Deposit Insurance:Based on a Cross-sectional Data Analysis |
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| CHEN Lei. The Consistency between Capital Adequacy and the Price of the Deposit Insurance:Based on a Cross-sectional Data Analysis[J]. Journal of Nanjing Normal University (Social Science Edition), 2010, 0(2) |
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| Authors: | CHEN Lei |
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| Abstract: | The price of the deposit insurance,an important index to measure a bank's risk,can be determined according to the market performance of each commercial bank;the capital adequacy is an essential defense of the commercial bank against risks: the more adequate the capital is,the lower the risks.Such two indexes should be in agreement with each other when used to assess a commercial bank's resistance against risks,but our tests of the listed commercial banks of China by employing various methods show that the a... |
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| Keywords: | price of the deposit insurance capital adequacy comparison |
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