基于成本收益视角的我国显性存款保险制度有效性分析

银行体系的稳定是金融稳定的核心。我国一直实行的是隐性存款保险制度,由于其隔断了各银行资金运用收益和资金筹集成本之间的制衡关系,使政府实施这种制度的成本越来越高。本文从显性存款保险制度与隐性存款保险制度的比较分析入手,基于成本和收益的视角,指出引入显性存款保险制度的最大成本在于其引致了新的道德风险问题,而且我国的制度环境薄弱加大了建立成本。在此基础上本文对建立我国显性存款保险制度的有效性进行论述,并提出一系列配套改革措施。

Analysis of Efficiency on Explicit Deposit Insurance System in China Based on Costs and Benefits

The stability of banking system is core of financial stability.Implicit deposit insurance system has been exited in China which separates the banking balanced relationship between benefits on assets and costs on deposit.And the cost that government implements is becoming higher and higher.Based on costs and benefits,it analyses comparatively IDIS and EDIS.And then it points out the biggest cost on establishing explicit deposit insurance System is moral hazard.Further more,the weakness of our system environment will make cost on the establishing EDIS bigger.Finally,it discusses efficiency on explicit deposit insurance system in China and puts forward some measures for corresponding reforms.