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与股东和债权人相比,存款人对银行的市场约束一直以来相对较弱。文章首先回顾了有关存款人市场约束的相关文献,然后利用数学模型分析了影响存款人市场约束力度的因素,在此基础上对我国商业银行加强市场约束提出了相应的建议。本文的创新之处在于将影响存款人市场约束力度的主要因素及其相互关系纳入一个模型中进行综合讨论,从而对加强市场约束机制进行了比较全面的分析。
Compared with shareholders and creditors, depositors’ market constraints on banks have been relatively weaker. First of all, the article reviews the relevant literature on depository market constraints, and then uses mathematical models to analyze the factors that affect depository market constraints. Based on this, the author puts forward corresponding suggestions to strengthen the market constraints of commercial banks in our country. The innovation of this paper lies in the main factors that influence the restraint of the depositors’ market and their interrelationship into a model to conduct a comprehensive discussion, so as to conduct a more comprehensive analysis on strengthening the market restraint mechanism.