我国商业银行道德风险问题研究  

Study on Moral Risk of Commercial Banks in China

作　　者：冯晓刚 Feng Xiaogang(Qinghai Nationalities University,Qinghai Xining 810000)

机构地区：[1]青海民族大学经济学院,青海西宁810000

出　　处：《江苏商论》2019年第4期68-70,共3页Jiangsu Commercial Forum

摘　　要：我国从2015年5月1日起,正式实施《存款保险制度条例》,这一条例的颁布实现了我国存款保险制度一直由政府信用担保的隐性化,向不断完善和发展的显性化和制度化的成功转型。目前在经济全球化的当代经济中有三个主体维护着国家的金融稳定,第一个是存款保险制度,第二个是金融监管当局的宏观审慎,最后一个是作为最后贷款人的中央银行。在稳定金融中起到重要作用的存款保险制度自其产生就伴随着道德风险。在存款保险制度的大前提下,道德风险是指投保银行选择错误性行动带来的问题。由于投保银行在得到来自第三方保障的条件下,投保银行作出的决策及行为即便引起损失,也不必完全承担责任,还有可能得到相应的损失赔偿,这样就激发了投保银行的趋利欲望,从而作出了风险较大的决策来实现更大的风险收益。本文基于该制度下对道德风险的产生原因进行分析及其防范提出合理性的建议。China will formally implement the Regulations on Deposit Insurance System from May 1, 2015. The promulgation of the Regulations has realized the successful transformation of the deposit insurance system from recessive government credit guarantee to explicit and institutionalized continuous improvement and development. At present, in the contemporary economy of economic globalization, three main bodies maintain the financial stability of the country. The first is the deposit insurance system, the second is the macro-prudence of the financial regulatory authorities, and the last is the central bank as the lender of last resort. The deposit insurance system, which plays an important role in stabilizing finance, is accompanied by moral hazard. Under the premise of deposit insurance system, moral hazard refers to the problem that the insured bank chooses the wrong action. That is to say, under the condition that the insured bank is guaranteed by the third party, even if the decision and action of the insured bank causes losses, it does not have to bear full responsibility, and it is possible to get corresponding loss compensation. Compensation, in this way, stimulates the desire for profit of the insured banks, thus making risky decisions to achieve greater risk returns. Based on this system, this paper analyses the causes of moral hazard and puts forward reasonable suggestions for its prevention.

关 键 词：存款保险制度 道德风险 风险决策 风险收益 

分 类 号：F830[经济管理—金融学]