我国存款保险制度“显性化”研究  

Our Country Explicit Deposit Insurance System Research

作　　者：何业嘉[1] 李双[2] 

机构地区：[1]兰州商学院,兰州730020 [2]青岛黄海职业学院,山东青岛266000

出　　处：《北方经贸》2008年第8期100-101,104,共3页Northern Economy and Trade

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。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.

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 

分 类 号：F840[经济管理—保险]