银行挤兑模型、外部性与对策取向

银行特定的资产负债结构强化了银行的易受挤兑性,作为典型的具有负外部性的部门,其一旦出现挤兑给各市场主体带来严重的负面影响.信息不对称是导致存款人挤兑及挤兑均衡蔓延的主因,使得存款人挤兑不仅引起存款人的损失,还会影响到其他银行,甚至影响到借款人,导致货币紧缩,经济停滞.文章采用Diamond-Dybving模型分析银行遭受挤兑的原因,指出存款人挤兑的经济金融效应,并在此基础上提出相应的对策建议.

Model of Depositor's Run on a Bank,Externality and the Countermeasure

The specific asset-liability structure of the bank has strengthened character of bank runs.Bank is typical sector of negative externalities,which makes the infection of depositor's run on a bank bring the serious negative effect to every main body in the market.The information asymmetry is the main reason causing spread of equilibrium of depositor's run on a bank,which make depositor's run on a bank not merely cause the depositor's losses,also influence other banks,even influence the debtor,further cause th...