A Market Discipline Improved Deposit Insurance System: A Framework Design

Q4 Business, Management and Accounting

International Journal of Business and Management Science Pub Date : 2023-02-17 DOI:10.56028/ijbm.1.1.9.2023

Zhixi Zhu

引用次数: 0

Abstract

This article devises a new framework of deposit insurance that helps to improve market discipline. Focused on institutional relevance and continuity, it provides a new perspective for the reform of deposit insurance. The design integrates the environmental resilience theory of catastrophe risk management theory. Based on the risk-adjusted premiums mechanism, the framework unifies the supervision incentives of authorities, insurers and depositors. They jointly establish checks and balances on the risk-taking of banks. This article also puts forward some policy suggestions for the implementation of the new system.

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市场约束下的存款保险制度:框架设计

本文设计了一个有助于改善市场纪律的存款保险新框架。它着眼于制度的关联性和连续性，为存款保险改革提供了新的视角。本设计整合了巨灾风险管理理论中的环境弹性理论。该框架以风险调整保费机制为基础，统一了主管部门、保险公司和存款人的监管激励。它们共同对银行的冒险行为进行制衡。本文还对新制度的实施提出了政策建议。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

International Journal of Business and Management Science Business, Management and Accounting-Business and International Management

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发文量

期刊介绍： The International Journal of Business and Management Science (IJBMS) (Print: ISSN 1837-6614; Online: 1985-692X) is a double-blind peer-reviewed semiannual journal. Generally the journal publishes the articles that expand knowledge on business and management issues. Business Complexity and Performance Management were the two of the top ten problems IJBMS cover pageof 20th century management. In the 21st century, overcoming such problems seem to be challenging to educators and practitioners. Do educators and practitioners agree on which management skills are required for success in the 21st century? These all issues call for substantial research to achieve a very modern sustainable business era of the global economy. IJBMS intends to focus on the business and management issues with the vision of sustainable competitiveness along with scientific evidences. The quantitative approach for analyzing a research problem is promoted by IJBMS.