银行危机与银行救助  

Banking Crisis and Banking Bailout

作　　者：谢赤[1] 魏坷薇[1] 

机构地区：[1]湖南大学工商管理学院,湖南长沙410082

出　　处：《南京财经大学学报》2003年第4期72-76,共5页Journal of Nanjing University of Finance and Economics

基　　金：国家自然科学基金(79970015);教育部博士点专项科研基金(20020532005)

摘　　要：以往的很行危机理论普遍认为银行的破产不是由于自身缺乏流动性,就是因为系统的总体流动性短缺,忽视了银行破产本身也会产生流动性不足的问题。政府对处于破产危险中的银行进行救助会改变银行系统的总体流动性状况。当救助行为不恰当时,反而会使总体流动性收缩,导致更具流动性的银行倒闭,甚至引发整个金融系统的危机。Banking cirisis theory in the past generally hold the opinion that bank can fail either because they are intrinsi- cally insolvent or because an aggregate shortage of liquidity can render them insolvent.While they ignore the problem that the bank failures can themselves cause liquidity shortages.Government bailout to the bank in bankruptcy will influence the aggre- gate liquidity in banking system.When the bailout is improper,it can cause an aggregate liquidity contraction and lead the more ...

关 键 词：银行危机 总体流动性短缺 银行救助 

分 类 号：F830[经济管理—金融学]