金融危机、政府担保与储户挤兑——来自中国“白银风潮”的历史证据

Keywords: 银行家的职业危机,内阁授权,开账户挤兑,银白潮流

Abstract:

内阁授权对银行家的职业机构存款人经纪行动的心情,对该成绩的回复有助于笔者从储户行动的视角看法内阁授权在技术维护银行家的职业稳固正中鹄的功能。1935年的“银白潮流”作为柴纳近世史上的一次银行家的职业危机,为仔细考虑前述的成绩企图了独一健康的的理当试验。。本文应用上海地区开账户的财务状况表标明,实据试验了“银白潮流”某一时代的内阁授权对储户行动的心情。树或花草结果暗示:内阁授权明显减少了开账户遭受储户挤兑的概率,振作起来开账户招引更多存款流入;存款人从心不在焉内阁授权的开账户滴下存款,如下发生的沉淀物分支配废止了总计的。文字还被发现的人,有内阁授权的开账户在CRISI某一时代的拉长说了记入贷方衡量,这有助于财务状况恢复知觉。。文字关于我国的银行家的职业安全保障从隐性景象内阁授权向显性存款保险体系的构象转移具有启发。

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