部分国家银行挤兑风险分析及对我国的启示  

Risk Analysis of Bank Run in Some Countries and its Enlightenment to China

作　　者：中国人民银行延边州中支课题组 朴成镇[1] 韩立胜[1] 陈晓红[1] 曹正男 任崇慧 Research group of Yanbian central sub branch of the people's Bank of China

机构地区：[1]中国人民银行延边州中心支行,吉林延边133000

出　　处：《吉林金融研究》2021年第8期34-38,共5页Journal of Jilin Financial Research

摘　　要：挤兑是国内外银行机构面临的主要风险之一,处置不当将导致流动性快速枯竭,引发更大的风险。从理论上讲,存款保险制度建立后,挤兑风险会得到有效遏制。但从美国、韩国等经验看,虽然存款保险制度的建立使挤兑风险有所缓解,但仍需要进行适当管控。本文通过对美国和韩国银行挤兑事件成因、应对措施等分析,提出对我国防控银行机构挤兑风险的启示。Bank runs are one of the main risks faced by domestic and foreign banking institutions,and mismanagement will lead to a rapid drying up of liquidity,triggering even greater risks.Theoretically,after the establishment of deposit insurance system,the risk of bank run will be effectively contained.However,from the experience of the United States,South Korea and other countries,after the establishment of deposit insurance system,the risk of bank run has been alleviated,but it still needs to be properly controlled.This paper analyzes the causes and countermeasures of bank runs in the United States and South Korea,and puts forward some suggestions for the prevention and control of bank runs in China.

关 键 词：银行 挤兑风险 防控 启示 

分 类 号：F830[经济管理—金融学]