郑州大学学报：哲学社会科学版
鄭州大學學報：哲學社會科學版
정주대학학보：철학사회과학판
Journal of Zhengzhou University(Philosophy and Social Science Edition)
2014年
5期
44~48
,共null页
银行公司治理 风险欲求 双倍责任 风险控制 外部性
銀行公司治理 風險欲求 雙倍責任 風險控製 外部性
은행공사치리 풍험욕구 쌍배책임 풍험공제 외부성
Cooperation Governance of Banks ; Risk Pursuance ; Double Responsibility ; Risk Control ; Externality
银行追求高风险会影响自身的稳定性，具有系统重要性的银行一旦破产，则会带来系统性危机，要解除这类危机，必须找出银行追求高风险的动机。正是银行破产给金融系统和社会经济造成的巨大损失作为其负外部性没有被银行所内化，银行的股东就产生了过高的风险欲求的动机。确立银行股东双倍责任制是将其负外部性内化的有效途径。
銀行追求高風險會影響自身的穩定性，具有繫統重要性的銀行一旦破產，則會帶來繫統性危機，要解除這類危機，必鬚找齣銀行追求高風險的動機。正是銀行破產給金融繫統和社會經濟造成的巨大損失作為其負外部性沒有被銀行所內化，銀行的股東就產生瞭過高的風險欲求的動機。確立銀行股東雙倍責任製是將其負外部性內化的有效途徑。
은행추구고풍험회영향자신적은정성，구유계통중요성적은행일단파산，칙회대래계통성위궤，요해제저류위궤，필수조출은행추구고풍험적동궤。정시은행파산급금융계통화사회경제조성적거대손실작위기부외부성몰유피은행소내화，은행적고동취산생료과고적풍험욕구적동궤。학립은행고동쌍배책임제시장기부외부성내화적유효도경。
The banks＇high- risk- seeking behaviors will affect their own stability. It is necessary to find out their motivation to run risks. The massive loss caused by bank failures to the financial system and social economy would not be intemalized by the bank due to its negative externality, and this is what motivate the excessive risk pursuance of the bank shareholders. The establishment of a double responsibility system on the bank shareholders is an effective way to internalize the bank＇s negative externality.
