【正文】
銀行是經(jīng)濟基礎設施的重要組成部分,這一建議充其量是一次冒險,最壞的結(jié)果是減少經(jīng)濟的穩(wěn)定性,因為新的公司將填補銀行留下的真空,但是這些公司同樣會面臨擠兌的問題. Diamond, Douglas W., and Philip H. Dybvig, 1986, Banking Theory, Deposit Insurance, and Bank Regulation, Journal of Business 59 How to Eliminate Bank Failures Completely怎樣完全消除銀行倒閉 If we want to avoid the problem of banks blowing up, it is simple: just make banking illegal. 如果想避免銀行膨脹爆炸的問題:最簡單的是取消銀行業(yè)。 Of course, this destroys whatever benefits we get from ,這樣也毀滅了銀行給我們帶來的收益 Big Questions問題 ? Is liquidity provided by banks important? 銀行提供的流動性重要嗎? ? Is liquidity provided by shadow banks important? 影子銀行提供的流動性重要嗎? ? Will increasing deposit insurance limits and regulation shrink shadow banks? 需要提高存款保險的限制,還是監(jiān)管限制影子銀行? ? Will Basel start being effective in controlling risk? (I