The dis results from the credit economy that reaches a special stage . some bases of profound theory can be provided for the emergence of dis . the internal weakness of banking management and the high society cost resulting from bank crisis are both internal factors bringing about the dis 存款保险制度是信用经济发展到一定阶段的产物，它的产生有其深刻的理论依据，银行经营的内在脆弱性和银行危机高昂的社会成本都是促使存款保险制度产生的内在动因。
Financial globalization prompts competition , improves the running efficiency , however , which also intensifies the relationship and direct interconnections / linkages among financial institutions , tools and markets . this phenomenon rapidly increases the international risk of a chain reaction of financial crisis , and the growth of approach , opportunity and velocity of financial risk exposures alway s make a country ' s bank crises spread to a larger district , even all over the world 而金融全球化在促进金融机构之间的竞争，提高银行业运行效率的同时，也加强了金融机构、金融工具以及金融市场之间的相互联系和相互依赖性，极大地增加了金融风险跨国传递和金融危机的国际传播途径、机会和速率，使得一国的银行危机往往发展为某一区域的金融危机，影响范围和危机成本不断扩大。
Therefore , based on the analysis of the foreman , this dissertation does some research on the fragility of china ’ s banking system through the positive analysis . and based on the conclusion of the foregoing positive analysis , referring to the early warning system abroad , put forward the establishment of china ’ s banking system warning system 为了对中国银行体系脆弱性有一个清楚的认识,消除和化解银行体系风险,建立健全银行体系脆弱性预警机制,防范和化解银行危机,在前人研究的基础上,本论文采用计量模型对我国银行体系的脆弱性进行了实证分析。
Since the model was proposed , some scholars developed this model by analyzing the assumptions of the initial model deeply , some scholars put this model in a dynamic circumstance studying the questions about the banking interest rates or the banking crisis characters , others used this model to study the relative banking and economy questions 自该模型提出以来,许多国外学者对其进行修正完善,并将其广泛运用于相关银行经济问题的研究。本论文通过对dd ( 1983 )模型的深入分析提出,该模型不仅是研究银行危机问题的经典模型,而且蕴含着丰富的存款契约设计思想。
The mexican banking crisis of 1995 - 96 supports the policy implications of the " vulnerability - shocks " paradigm : developing countries should identify the specific causes of their banking systems vulnerability and implement the appropriate financial reforms ; fragile banking systems complicate the management of macroeconomic policy in terms of timing , scope , and effectiveness ; macroeconomic considerations should play an important role in the design of bank regulatory regimes ; effective deposit insurance systems should be established in order to reduce bank runs and moral hazards of both bankers and depositors ; considering the apparent role of lending booms in creating vulnerability of banking systems , the authorities should monitor the rate of credit growth , and take measures when it appears to be growing too rapidly 墨西哥银行危机印证了“脆弱与冲击”银行危机解释模式的政策含义：发展中国家应针对银行体系脆弱性的具体原因，采取相应改革措施；银行业的脆弱性对经济改革政策的选择、实施时机和实施效果均会产生重要影响；应根据宏观经济波动程度，确定适当的银行审慎监管指标水平；建立有效的存款保险制度；应监督银行信贷的扩张速度，在必要时通过实施相应的宏观经济政策来限制银行的信贷扩张。从这次银行危机中我们主要可以得出两点结论。
The theory of bank bankruptcy law arising in such a background will naturally be great influential to interpretation of the institutional arrangement of bank crisis and bank bankruptcy , understanding of the present movement of bankruptcy , strengthening of legislation for bank bankruptcy , and clarifying of some obscure theories 在现实背景之下诞生的银行破产法理论必将在对银行危机及银行破产制度安排的理解、当今破产运动的发展认识、加强银行破产立法工作以及澄清理论的模糊四个方面产生深远的影响。
On the one hand , bank crisis will be handed on by credit chain , causing financial crisis ; on the other hand , though financial crisis is not caused by bank , bank crisis usually follows and deteriorates financial crisis and influences the whole country ' s financial system . to ensure the safe financial system , commercial bank must solve the problem of credit position . but , since asymmetric information exists extensively , how to decide credit position , in other word , what the foundation of credit position is still influencing bank ' s development 一方面，银行危机往往会通过信用链条迅速传递，诱发金融危机；另一方面，即便金融危机不是由银行直接引发，但银行业危机通常会接踵而至并带来或加深金融领域的危机，由此可见，商业银行经营状况直接影响到整个国家金融体系的安危，要保证我国金融安全，首先必须解决我国商业银行信贷定位问题，但是在信息不对称广泛存在的情况下，商业银行如何进行信贷定位，换言之，商业银行以什么依据进行信贷定位依然是困扰我国商业银行发展的重要因素。
During the constant exploration and study on bank crises , more and more economists have realized that moral hazard problems have severely endangered the healthy operation of the bank institution and financial system and founded some financial crisis models to show how moral hazard functions and does severe damage to the whole financial field . chapter one introduces moral hazard ' s basic theories including its name source , implications , causes and effects on financi al system , which shows that government guarantee and incomplete information leads to the moral hazard problem between principals and agents 在对银行危机产生根源的不断探索和研究中，越来越多的经济学家意识到道德风险问题己严重危及到银行机构和金融系统的健康运行，著名经济学家如克鲁格曼和柯斯提等还建立了在不同背景下的金融危机模型，以说明道德风险是如何在政府、银行、企业和投资者之间产生作用，从而给整个金融领域带来灾难性后果的。
The bank vulnerability has been matter of concern in the works of economic historian and the institutional school . the classical economists such as marx , marshall , keynes mainly describe and analyze bank crisis from the angle of economic cycle , minsky and kindleberger introduces the behavior factor of microscopic main body into the analysis of bank vulnerability . the development of the game theory and the information economics lay a solid foundation for stiglitz and weiss ' s study about bank vulnerability 银行脆弱性问题在经济史家和制度学派的著作中多有论及，马克思、马歇尔、凯恩斯等经典经济学家主要从经济周期的角度描述银行危机的现象和原因，分别重视信用规模不稳定和社会流动性偏好的波动对银行系统的影响，但马克思将银行信用危机看作是经济危机的结果；明斯基、金德尔伯格引入微观主体的行为因素对银行的脆弱性进行分析；博弈论和信息经济学的发展最终为斯蒂格利茨、韦斯等人对银行体系脆弱性的研究提供了较为系统、坚实的微观基础。
This paper analysis that the financial supervision is the important method to eliminate the regional banking crisis from the regulatory angle , and a number of problems in the banking supervision which how to led to banking crisis . in the above analysis at analyzing and progressive basis , the papers of the final chapter discussed how to establish financial supervisory mechanism preventing the regional bank crises . this is the analysis of the advice 本文从监管角度来分析金融监管是消除局部银行危机的重要手段,及讨论了监管中存在的一些问题是如何导致的银行危机,在上述分析层层剖析、循序渐进的基础上,论文的最后探讨了构建防范化解局部银行危机的金融监管机制,这属于对策层面的分析,针对局部银行危机的防范,提出一些政策和技术方面的建议。
