那位英文高手给翻译一下 谢了

来源:百度知道 编辑:UC知道 时间:2024/05/29 23:37:36
世界各国的实践表明,存款保险制度是一种喜忧参半的制度安排。一方面有助于保持公众对金融体系的信心、保护存款人利益以及维护金融体系稳定;另一方面,也造成了不容忽视的逆向选择和道德风险问题。设计合理的、激励约束对称的制度体系是最大限度减少其负面影响的关键,是存款保险制度研究的重点。本文围绕我国为什么要建立存款保险制度以及建立怎么样的存款保险制度进行研究。在分析建立我国存款保险制度的必要性,探讨存款保险制度理论,比较国外存款保险制度的内容和借鉴国外经验的基础上。设计了我国存款保险制度的框架。并对建立我国存款保险制度可能出现的问题提出了解决的建议。

The practice of countries all over the world indicates that deposit insurance system is a kind of arrangement mingled hope and fear .On one hand,it is helpful to maintain public confidence in the financial system, protect the interests of depositors, and maintain financial stability. On the other hand, it also caused the noticeable adverse selection and moral risk.Making reasonable, inspiriting and restrainting system of symmetrical is the key of maximumly reducing its negaive effect, and also the key of reaserching on deposit insurance system. In this text, why and what deposit insurance system should our government establish is studied.On the basis of analysing the necessity of deposit insurance system,discussing deposit insurance system theory, making comparision of contents in foreign deposit insurance system and adopting experience abroad,this text designed the deposit insurance system stucture in our country. And made solution sugestions of possible problems in establishing de