摘要
银行系统性风险表现为因一个或多个银行出乎预料倒闭 ,而在整个银行体系中所引发的“多米诺骨牌效应”。银行系统性风险的成因比较复杂 ,银行机制本身的问题是其先天的“内生性”原因 ,而投机性冲击、风险的溢出与传染是外在原因。防范银行系统性风险的主要办法是构建银行安全网 ,但银行安全网组成中的存款保险制度、最后贷款人制度在提供系统性风险防范手段的同时 ,也可能产生道德风险 ,从而使银行安全网失效。因此 ,消除或减少道德风险 。
The systemic risk of bank often turns out as the domino effect in the whole bank system caused by one or several banks going into bankruptcy unexpectedly. The causes of this risk are complex, with problems in banking mechanism as the 'internal' ones and speculative attacks and risk spilling or infecting as 'external' ones. The main prevention of bank systemic risk is to set up a bank safety net, but in which the deposit insurance system and final lender system, while used as preventions against risk, could also produce moral hazards to make the risk prevention ineffective. So it is a logical approach of preventing national bank systemic risk to set up an effective bank safety net to reduce or remove moral hazard.
出处
《南开学报（哲学社会科学版）》
CSSCI
北大核心
2001年第4期83-89,共7页
Nankai Journal:Philosophy,Literature and Social Science Edition
