更快的银行挤兑

IF 2.4 2区经济学 Q1 ECONOMICS

European Economic Review Pub Date : 2025-02-01 DOI:10.1016/j.euroecorev.2024.104915

Oz Shy

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引用次数: 0

摘要

银行存款人现在可以使用即时转账和支付服务。因此，在银行挤兑等事件中，储户能够比以往更快地取出他们的银行账户。此外，社交媒体使用的增加加速了银行挤兑信息的传播。本文分析了“更快”银行挤兑对(i)救助银行的最佳延迟，以及（ii）最优流动性准备金要求的政策影响。第一个是事后的政策决定（在运行开始之后），而第二个是事前的长期决定。

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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Faster bank runs

Bank depositors now have access to instant (real-time) money transfer and payment services. Therefore, in events such as bank runs, depositors are able to drain their bank account faster than ever before. In addition, the increased use of social media accelerates the spread of bank run information. This article analyzes the policy implications of “faster” bank runs on (i) the optimal delay in bailing out a bank, and consequently (ii) the optimal liquidity reserve requirement. The first one is an ex-post policy decision (after the run begins) whereas the second one is an ex-ante long-term decision.

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来源期刊

European Economic Review ECONOMICS-

CiteScore

4.70

自引率

3.60%

发文量

170

期刊介绍： The European Economic Review (EER) started publishing in 1969 as the first research journal specifically aiming to contribute to the development and application of economics as a science in Europe. As a broad-based professional and international journal, the EER welcomes submissions of applied and theoretical research papers in all fields of economics. The aim of the EER is to contribute to the development of the science of economics and its applications, as well as to improve communication between academic researchers, teachers and policy makers across the European continent and beyond.