| 我国存款保险制度“显性化”研究 |
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| 引用本文： | 何业嘉,李双.我国存款保险制度“显性化”研究[J].北方经贸,2008(8). |
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| 作者姓名： | 何业嘉 李双 |
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| 作者单位： | 1. 兰州商学院,兰州,730020
2. 青岛黄海职业学院,山东青岛,266000 |
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| 摘 要： | 存款保险制度具有稳定金融体系、保护存款人利益、降低金融风险等功能。通过对隐性存款保险制度与显性存款保险制度的比较,和对我国建立存款保险制度的障碍的分析显示,建立显性的存款保险制度是我国金融体制改革的必然要求。
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| 关 键 词： | 存款保险制度 隐性存款保险制度 显性存款保险制度 道德风险 逆向选择 |
Our Country Explicit Deposit Insurance System Research |
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| He Yejia.Our Country Explicit Deposit Insurance System Research[J].Northern Economy and Trade,2008(8). |
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| Authors: | He Yejia |
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| Abstract: | The deposit insurance system has the stable financial system,to protect the depositor benefit,to reduce functions and so on financial risk.This article through to the implicit deposit insurance system and the explicit deposit insurance system's comparison,with establishes the deposit insurance system's barrier analysis to our country,thought that the establishment explicit deposit insurance system is our country reform of monetary system request inevitably. |
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| Keywords: | Deposit Insurance System Implicit Deposit Insurance Explicit Deposit Insurance Moral Hazard Adverse Selection |
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