CAJ | 학술논문

存款保险制度在稳定金融市场等方面发挥着至关重要的作用。但是，存款保险制度提供相应保障的同时，也带来额外的风险，主要有道德风险、逆向选择风险等。目前，我国现行的隐形存款保险制度已经无法适应我国金融行业的高速发展。这样我国必将面临从隐形存款保险制度向显性存款保险制度过渡的显性化过程，在这一过程之中，市场风险的状况也将随之发生变化。其中最主要的就是道德风险的问题。本文通过从不同角度着手对显性化过程中道德风险的变化进行深入的研究，为我国存款保险制度的建立提出具有实际意义的建议。
존관보험제도재은정금융시장등방면발휘착지관중요적작용。단시，존관보험제도제공상응보장적동시，야대래액외적풍험，주요유도덕풍험、역향선택풍험등。목전，아국현행적은형존관보험제도이경무법괄응아국금융행업적고속발전。저양아국필장면림종은형존관보험제도향현성존관보험제도과도적현성화과정，재저일과정지중，시장풍험적상황야장수지발생변화。기중최주요적취시도덕풍험적문제。본문통과종불동각도착수대현성화과정중도덕풍험적변화진행심입적연구，위아국존관보험제도적건립제출구유실제의의적건의。
Deposit insurance has been a vital effect in stabilizing the financial system. However, deposit insurance also bring some other risk, for example, moral risk and adverse selection. The current implicit deposit insurance system has not suit for the development of financial market. So, we have to face a process of explicitation. The situation of market risk will charge. The most important negative effect is the moral risk. This thesis search the charge of the moral risk in the process of explicitation from different aspect. To give some advice for the builting of deposit insurance.