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5433文章基于不完全信息动态博弈模型，对信息披露、存款保险制度与系统性风险之间的作用机制进行了理论分析，并使用2006-2014年24个国家137家上市商业银行的面板数据进行了实证考察。研究发现，提高银行的信息披露程度，有助于降低融资成本和存款保险缴费费率，引导其减小银行间资产的相关性，从而降低系统性风险；存款保险的金融稳定效应不明显，提高信息披露程度有效缓解了存款保险制度的道德风险，两者在降低银行系统性风险方面存在协同效应。设计合理的存款保险制度、经验丰富的监管当局和严格的监管体系有助于发挥市场约束作用，限制存款保险的道德风险，从而维护金融体系的稳定。因此，在我国正式实施存款保险制度的背景下，监管部门应加强银行信息披露和优化存款保险设计，以更好地防范我国金融体系的系统性风险。
信息披露、存款保险制度与银行系统性风险
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引用本文
朱波, 杨文华, 卢露. 信息披露、存款保险制度与银行系统性风险[J]. 财经研究, 2016, 42(12): 96–107.
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