{"title":"市场约束下的存款保险制度:框架设计","authors":"Zhixi Zhu","doi":"10.56028/ijbm.1.1.9.2023","DOIUrl":null,"url":null,"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.","PeriodicalId":38990,"journal":{"name":"International Journal of Business and Management Science","volume":"1 1","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2023-02-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"A Market Discipline Improved Deposit Insurance System: A Framework Design\",\"authors\":\"Zhixi Zhu\",\"doi\":\"10.56028/ijbm.1.1.9.2023\",\"DOIUrl\":null,\"url\":null,\"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.\",\"PeriodicalId\":38990,\"journal\":{\"name\":\"International Journal of Business and Management Science\",\"volume\":\"1 1\",\"pages\":\"\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2023-02-17\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"International Journal of Business and Management Science\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.56028/ijbm.1.1.9.2023\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"Q4\",\"JCRName\":\"Business, Management and Accounting\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"International Journal of Business and Management Science","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.56028/ijbm.1.1.9.2023","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"Q4","JCRName":"Business, Management and Accounting","Score":null,"Total":0}
A Market Discipline Improved Deposit Insurance System: A Framework Design
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.
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.