| In recent years, our country is trying to push the deposit insurance system, deposit insurance system is an important component of the financial safety net, the effective implementation of the system can lead to protect the interests of depositors and small and medium-sized Banks, and have also played in stabilizing the financial markets,and it has been adopted by most countries in the world. But because of information asymmetry and the influence of factors such as market participants egoism, deposit insurance system,there is moral hazard induced defects. In the last year, our country started to enter the exploration stage of the explicit deposit insurance system, the new policy can strengthen the supervision and restriction of banking in system level, but it also has given rise to a new moral hazard problem. Therefore, how to prevent the moral hazard problems caused by the deposit insurance system, has become an important part of the implementation of the deposit insurance system in China.This paper mainly discusses how to guard against the moral risks of deposit insurance in our country under the new historical background t, in the first part of the text,firstly introduces related concepts of deposit insurance system; The second part was followed by detailed analysis of the deposit insurance moral hazard, mainly including the cause, performance and bad influence of the moral hazard problems; The third part introduce the successful experience of the deposit insurance moral risk prevention in the United States, for example, the basic content of deposit insurance system in the United States and The federal deposit insurance moral risk prevention mechanism two parts; The last part points at status of the deposit insurance system in our country, from the design of the deposit insurance mechanism and the improvement of the financial safety net two angles,proposing moral hazard prevention related countermeasures which suitable to China’s national conditions. |
PDF Full Text Request