The first chapter introduced the theoretical study of financial fragility and defined the concepts of banking crises and regional banking crises . the banking crisis generated by internality of financial fragility 本文开篇介绍了国内外对金融脆弱性理论的研究及对银行危机和局部银行危机概念的界定,正是金融脆弱性内生性决定了银行危机的生成。
Deposit insurance is also quite common now and so deterioration in the quality of the loan book of a bank with low capital adequacy is less likely to undermine the confidence of depositors and lead to a banking crisis 此外，存款保障制度现已颇为普及，因此当某一间银行资本充足比率低而贷款质素又变差时，存户信心受到动摇以致触发银行危机的可能性将会较小。
It has proved that almost all the countries which had experienced currency or bank crisis had experienced massive capital inflows and outflows . relying on the stringent capital controls , china had survived the 1997 asia financial crisis 另一方面,从发生货币或银行危机的国家实例来看,几乎所有发生危机的国家都经历了资本的大规模流入和资本的大规模、突然逆转。
As we all know , the banking plays a dominant role in the financial system in emerging markets . by applying the model of the twin crises , we can conclude that the short - term capital movement is the crucial joint between the two kinds of crises 新兴市场国家一般来说以间接金融为主，银行体系占主导地位，详细考察银行危机与货币危机的关系可以更深入的考察金融危机爆发的原因和传导机制。
Asset prices , and thus the value of bank collateral , fell sharply . there was no banking crisis . but to prevent adverse effects on their financial viability , the banks understandably adopted , and are still adopting , a conservative lending strategy 在这段期间，本港资产市场暴跌连带银行贷款抵押品大幅贬值，虽未至出现银行危机，但银行为求自保，免使财务状况受到不利影响，已纷纷采取保守的贷款策略。
The divergence of routine risk management and unconventional crisis management brings two results . first , bank crises often reoccur with striking similarities . second , banks often fall in passive positions in dealing with crises 常规管理与非常规管理脱节的后果,一是没能有效防止银行危机事件的发生,许多银行危机呈现出惊人的相似性,二是在管理危机的过程中,银行往往是被动应付,大伤元气,有的甚至被拖垮。
The last two decades of this century have witnessed the continual changes of economic integrity and financial globalization , which improve all - aspect transitions of banking industry , from operation idea , management measure to risk control 进入20世纪80年代后，世界经济一体化和金融全球化的趋势使银行在经营理念、管理手段和风险控制等诸多方面发生了前所未有的改变，这些急剧的变化带来了银行业的动荡和不断发生的银行危机。
Also , introduce the establishment and development of deposit insurance in the world . chapter2 : cover the theoretical basis of deposit insurance , the major problems arising from deposit insurance , and come up with the suggestions 第二章，论述了与存款保险制度有关的理论，从信息不对称和银行经营特殊性入手，论证了存款保险制度可以有效防止银行挤兑，避免银行挤兑引起的银行危机，同时分析了存款保险制度存在的问题及对策。
However , the routine risk management can not meet the needs of managing bank crisis effectively , as its vision is limited , its intensity is not enough . the unconventional management dealing with bank crisis is very poor compared with banks ’ habitual routine risk management 但应该看到,目前银行的日常风险管理实践还不能满足有效管理银行危机的需要,突出表现为:管理视野有限,管理强度不够,以银行危机为管理对象的非常规管理较为薄弱。
Meanwhile , combining with experiences of typical countries , this paper concludes that these are effective measures to defend banking crises for china by advancing the reform of the banks and the firms , strengthening the regulation and supervision on the financial system 同时，结合典型国家利率市场化改革的经验，由此得到，进一步深化银行和企业改革，加强政府对金融体系的监管，是防范和化解中国利率市场化改革中银行危机有效措施的重要启示。
