浅析存款保险制度中的道德风险  

On the Moral Risks of the Savings Insurance System

作　　者：叶炜[1] 王瑛[1] 

机构地区：[1]西北第二民族学院,宁夏银川750021

出　　处：《广东经济管理学院学报》2005年第1期51-54,共4页Journal of Guangdong Institute of Business Administration

摘　　要：存款保险制度作为金融安全网三大基本要素之一,在保护小额存款人、维持公众信心等方面发挥着举足轻重的作用。但伴随着这一制度的实施,投保机构道德风险不可避免地产生并且带来相应的负面影响。本文在对投保机构道德风险产生原因分析的基础上,阐述二者的内在联系,并对其防范措施提出建议。Saving insurance system as one of the three major elements of the fianancial security network plays an important role in protecting interests of small sum depositors and keep the publics faith in banks. However, The moral risks of the insured institutions will inevitably bring about negative influence. The paper analyses the reasons why the moral risks occur and puts forward precautious measures.

关 键 词：存款保险制度 道德风险 防范措施 

分 类 号：F842.4[经济管理—保险]