We build up a model and proof that when bank's Franchise value is low ,the credibility of explicit deposit insurance system is high and the ratio of insured depositors to total liabilities is high, it will reduce bank's moral hazard when transforming from implicit deposit insurance system to explicit deposit insurance system.
Firstly, through analyses of shortcoming of implicit deposit insurance system and new changes of financial environment which gonging with deepening finance reform, construction of explicit deposit insurance system is necessary and possible.
Based on the principle of financial economics and the method of game theory, this thesis will study the influence of capital requirement on the bank loans choice under implicit deposit insurance institution, and analyze the requisite of effective capital regulation.
In chapter one ,we have an overall eyesight on deposit insurancesystem, for example ,not only do I make a detailed introduction on theformation and the development of the deposit insurance system, thetheoretic basis and the function of the deposit insurance system ,alsomake a comparative analyse between the implicit deposit insurance systemand the explicit deposit insurance system, obviously the inference thatan explicit deposit insurance system is superior to an implicit one soundsreasonable.
In the third part, after analyzing the characteristics of the state-owned banks' reputation, the author discusses the embarrassment from the present implicit deposit insurance supported by the government and puts forward the suggestion that government-based reputation should be replaced by the bank's own reputation.
Households willingly hold bank deposits despite the weaknesses of the banking system because of implicit deposit insurance provided by the government.
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But this risk-averse behavior of banks broke down in East Asia thanks to the presence of implicit deposit 28 and stable exchange rates.
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The paper studies deposit insurance system from a functional perspective. The author points out that deposit insurance system has many advantages, such as injecting of liquidity into banking system, protecting of small depositors' benefit, keeping bank - runs away, supplying refunding mechanism. So it is a market - oriented reform to change from implicit deposit insurance system into explicit deposit insurance system. All this will offer a useful mechanism for financial s...
Under the tremendous pressure of tougher foreign competition in the years to come, China's weak banking system has been undergoing fundamental reforms and is now becoming more and more vulnerable. But the so-called"implicit deposit insurance system", as implied by governmental actions in dealing with distressed banks, is unable to provide a fair and efficient institutional framework to tackle the great risks in China's banking system. The author recommends the establishment of compulsory depo...
Now, market exit mechanism and correlative system arrangement have not been established in China banking sector, it does not accord with basic financial rules of market economy, and brings heavy burden to the nation. In this paper, we build a three phases complete information dynamic game model, pointing out that conditional closure mechanism is incredible to commercial bank due to lack of effective market exit mechanism of CBRC under cost restriction, moreover, it makes commercial bank more like risk inves...
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