温州民营银行实施存款保险制度的必要性及风险防范  

On Necessity of Implementing the Insurance System of the Deposit in Wenzhou Private Banks and Risks Precaution

作　　者：林贵[1] 

机构地区：[1]温州大学经济学院,浙江温州325035

出　　处：《温州大学学报》2005年第2期8-12,共5页

基　　金：浙江省社会科学联合会项目(04B94)

摘　　要：温州组建民营银行是金融体系改革和温州市场经济发展的必然结果。但由于温州民营银行竞争的激烈性、特殊的脆弱性、资信能力的低劣性、资产运营的高风险性,决定温州民营银行实施存款保险制度的迫切性和必要性。为了确保温州民营银行存款保险制度的顺利实施,在实施的过程中必须注意道德风险、逆选择风险和代理风险,并针对这些风险提出相应的防范措施。The inevitable outcome is that Wenzhou sets up the private banks because of the financial system reform and economic development of market in Wenzhou. But, because of fierce competition among Wenzhou private banks, special fragility, credit inferiority, high risk that assets run, it is determined that the private banks of Wenzhou implement the urgency and necessity of the insurance system of the deposit. In order to guarantee the smooth implementation of the private bank account insurance system in Wenzhou, In the process of implementing, we must pay attention to the moral risks, against choosing the risk and acting for the risk, and put forward the corresponding precautionary measures to these risks.

关 键 词：民营银行 存款保险制度 风险防范 

分 类 号：F832[经济管理—金融学]