| 论存款保险制度下的风险防范 |
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| 引用本文： | 曹晓兰.论存款保险制度下的风险防范[J].保险研究,2009(12). |
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| 作者姓名： | 曹晓兰 |
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| 作者单位： | 浙江金融职业学院保险与社会保障系; |
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| 摘 要： | 存款保险制度是一种金融保障制度。建立存款保险制度有利于降低金融风险,防止挤兑发生及危机扩散。当个别银行出现流动性风险时,存款人因为有了相关的法律制度作保证,不再产生巨大的恐惧心理,能避免发生挤兑风潮。同时,建立存款保险制度有利于保护存款人的利益。在投保银行面临支付危机时提供救助,在投保银行破产倒闭时依法清偿存款人的存款,从而保护了存款人的利益。
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| 关 键 词： | 存款保险 道德风险 逆向选择 |
On Risk Prevention under the Deposit Insurance System |
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| Cao Xiao-lan.On Risk Prevention under the Deposit Insurance System[J].Insurance Studies,2009(12). |
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| Authors: | Cao Xiao-lan |
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| Abstract: | The deposit insurance system is a mechanism of financial protection,which can reduce financial risks,prevent bank runs and crisis spreading.Under the protection of relevant law,depositors do not need to panic when a bank encounters liquidity risks,so that bank run can be avoided.The deposit insurance system provides aid when assured banks facing with a crisis and pay its depositors when the bank bankrupts.So it also effectively protects the interests of depositors. |
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| Keywords: | deposit insurance moral hazard adverse selection |
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