存款保险制度对商业银行破产风险影响的实证研究——基于商业银行性质及规模的视角  

The Influence of Deposit Insurance System on Bankruptcy Risks of Commercial Banks——Based on the Perspective of the Property and the Scale of the Bank

作　　者：张瑜 吴静怡 王新军[2] Zhang Yu;Wu Jingyi;Wang Xinjun(Shandong Labor Vocational and Technical College,Jinan 250022,Shandong,China;School of Economics,Shandong University,Jinan 250100,Shandong,China)

机构地区：[1]山东劳动职业技术学院,山东济南250022 [2]山东大学经济学院,山东济南250100

出　　处：《金融发展研究》2020年第7期79-85,共7页Journal Of Financial Development Research

基　　金：国家社科基金项目“中国老年人长期护理与医疗保障体系改革研究”(15BJY183);山东省社会科学规划研究项目“养老模式对老年人健康影响的实证研究”(19CPYJ91)。

摘　　要：本文通过分析我国商业银行2011—2018年期间的静态面板数据和动态面板数据探究存款保险制度对于我国商业银行破产风险的影响;从银行性质和银行规模的角度出发,进一步探究存款保险制度对于不同性质、不同规模的商业银行破产风险的影响。实证结果发现,存款保险制度总体上显著降低了我国商业银行破产风险;对于不同性质、不同规模的商业银行,存款保险制度均降低了银行破产风险;但是与国有商业银行、股份制商业银行相比,存款保险制度对城市商业银行和农村商业银行影响较小;与大中型银行相比,存款保险制度对小型银行影响较小。By analyzing the static and the dynamic panel data of the commercial banks in China from 2011 to 2018,this paper explores the influence of the deposit insurance system on bankruptcy risks of commercial banks.Based on the perspective of the property and the scale of the bank,it further investigates the effect of deposit insurance system on the bankruptcy risks of commercial banks with different properties and scales.The empirical results show that,deposit insurance system reduces the bankruptcy risks of commercial banks statistically on the whole;however,compared with the state-owned and the joint-stock commercial banks,deposit insurance system has weaker influence on the ones in both urban and rural areas;similarly,the system also have weaker effect on the small banks while comparing with the large and medium-sized ones.

关 键 词：存款保险制度 商业银行破产风险 银行性质 银行规模 

分 类 号：F840[经济管理—保险]