金融危机救助方案与成本分担机制分析

各国政府应对本轮金融危机的救助虽取得一定成效,但仍然引发了关于救助方案的选择和救助成本等相关问题的探讨。英美等发达国家的救助基本遵循了依靠市场或私人机构进行救助,政府尽量不采取直接的干预,以减少政府救助成本。资产负债表重构这一救助方式能将救助成本分担到私人机构,在合适的条件下应用,可以降低救助道德风险发生的可能性,并且极大地减少政府的救助成本。

The Analysis of Financial Crisis Bailout Proposal and Costs Burdening Mechanism

Although the bailouts that many countries take for the financial crisis get to the first base,it triggers the arguments on the selections of bailout proposal and costs. Some developed countries,such as the US and the UK,make the most of relying on the market or private agencies bailout for reducing the cost. Under the suitable conditions,the balance sheet restructuring bailout can make the private agencies share the cost,lower the possibility of moral hazard and greatly reduce the government bailout cost.