存款保险制度与银行公司治理  

Deposit Insurance System and Bank Corporate Governance

作　　者：汤洪波[1] 

机构地区：[1]广东金融学院中国金融转型与发展研究中心,广东广州510521

出　　处：《金融研究》2008年第7期154-159,共6页Journal of Financial Research

摘　　要：存款保险制度是各国构建金融安全网的重要组成部分,但该制度在各国实施的效果并不相同,它在对金融稳定产生积极作用的同时又产生了道德风险。本文从银行公司治理出发,结合各国存款保险实施的效果,认为完善的银行公司治理是克服存款保险负面影响的重要前提,银行公司治理的改善能显著提高存款保险制度的有效性,因此,在存款保险制度即将推出的同时,强化银行公司治理具有同等重要的意义。Explicit deposit insurance is one of the important parts of financial safety net in many countries, but there exist many difference effects in these countries. Deposit insurance is helpful to the financial stability; however, at the same time it may cause moral hazard in banks. In this paper, based on bank corporate governance and the cross-country difference effects, the author explains why good bank corporate governance is the key to overcome the shortcomings of deposit insurance. Therefore, the author emphasizes that before the implementation of deposit insurance system in China, strengthening bank corporate governance is a momentous task.

关 键 词：存款保险 公司治理 政府管制 道德风险 

分 类 号：F830.1[经济管理—金融学]