摘要
本文通过考察美国和日本的经验,认为存款保险制度是否会引发存款"搬家"很大程度上取决于外部制度环境设计。加入"业务密度"和"存款保险预期"两个概念的实证分析显示,在当前中国存款者的银行选择决策模式下,单纯建立存款保险制度虽然会有利于各类商业银行的存款数量提高,却不利于城市商业银行和股份制商业银行的存款份额提高,进而不利于实现银行业公平竞争。因此,在积极进行存款保险制度自身建设和完善的过程中,不应忽视对配套制度的建设,如建立过渡银行制度,加强商业银行信息披露要求,定期发布商业银行风险情况解读报告等。
Based on the investigation of American and Japanese experience, this paper argues whether the deposit insurance system will lead to deposits 'moving'depends on the design of external institutional environment. The empirical analysis, in which two concepts'business density'and'deposit insurance'are introduced, shows that, in the current mode by which Chinese depositors select banks, though the establishment of deposit insurance system helps increase the deposits of commercial banks, it's not conducive to the growth in the deposits share of city commercial banks and joint-stock commercial banks only if the establishment of system, and then, is not conducive to the fair competition of banking sector. Therefore, while the deposit insurance system is actively established and improved, it should not be overlooked to establish supporting systems, such as the establishment of transition bank systems, strengthening requirements for the information disclosure of commercial banks and regularly publishing interpretation reports of the risks of commercial banks,etc.
出处
《金融论坛》
CSSCI
北大核心
2015年第3期44-49,共6页
Finance Forum
关键词
存款保险
中国银行业
预期
业务密度
存款结构
deposit insurance
Chinese banking sector
expectation
business density
deposit structure
