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英美保险存款制度对我国存款保险制度的借鉴

The reference of American and British insurance deposit system to China's deposit insurance system

Finance Analysis and Management / 2020,2(1): 13-19 / 2020-05-07 2400 3851

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• Authors: 卢文博     
• Information:

  浙商银行南京分行，南京

• Keywords: Deposit insurance system; Run; Moral hazard 存款保险制度；挤兑；道德风险
• Abstract: Based on the analysis of the characteristics of the deposit insurance system in the United Kingdom and the United States and the observation of its actual performance in the process of operation, this paper analyzes the two different characteristics of the deposit insurance system, in order to provide reference for the establishment and improvement of China's deposit insurance system. 文章通过对英、美两国存款保险制度特点的分析与对其在运作过程中 实际表现的观察，对两种不同特点的存款保险制度分别进行了评析，旨在以此 为我国存款保险制度的建立和完善提供借鉴。
• DOI: https://doi.org/10.35534/fam.0201003c
• Cite: 卢文博．英美保险存款制度对我国存款保险制度的借鉴［J］．金融分析与管理，2020，2（1）：13-19．