基于金融体系视角的银行危机的传导机制分析  

Analyze of Bank Run Contagion under Different Financial System

作　　者：孙清[1,2] 韩颖慧[2] 

机构地区：[1]南京航空航天大学,南京210016 [2]南京审计学院,南京210029

出　　处：《经济问题》2008年第10期98-101,共4页On Economic Problems

基　　金：江苏省教育厅2008年社科基金项目"金融体系视角下的银行稳定比较研究"阶段成果

摘　　要：世界各国的金融体系可简单的分为市场主导型金融体系和银行主导型金融体系,银行在金融体系中为全社会提供流动性、管理支付清算,银行的稳定对一国金融体系的稳定至关重要。传统的银行危机传导理论并不能有效解释近期银行危机传染事件。运用三期模型比较了不同金融体系下银行挤兑在区域间的传导条件,对发展中国家、转轨国家频繁爆发的银行危机的原因给出体系层面解释。Financial system can be divided into market - oriented system and bank - dominated system. The banks provide liquidity and manage payment system, Bank stability is important to financial stability and economic development. Traditional theory of bank stability can＇t explain recent bank crisis events. This paper constructs a simple framework closely related to Diamond （ 1997） to analyze bank run contagion between two regions under different financial system. It shows that the possibility of bank runs is high under the moderately bank - dominated （or hybrid） financial system.

关 键 词：银行危机 金融体系 资产价格波动 

分 类 号：F83[经济管理—金融学]