香港政府為銀行存戶提供100%存款保障，即係銀行倒閉政府會賠番哂你既存款俾你！咁就引發左道德風險(Moral Hazard)既問題！
簡單Ｄ講，我叫你去賭場賭錢，然後同你講，輸左我俾番你，贏就歸你。 咁，你仲去唔去賭大細（ 輸左我俾番你所以冇風險，但底回報，最多贏一倍）？ 係都買圍骰喇（輸左我俾番你所以一樣冇風險，但高回報，最多贏二百五十倍）。
細銀行存款利息高，因為佢地流動資金少，投資回報同風險亦高，所以願意以補償存戶！相反，大銀行存款利息底，風險亦底。但現在因為有100%存款保障，作為存戶，當然應該選擇高利息既細銀行。結果，大銀行為左爭生意，會放棄較安全投資，選擇高回報項目。
變相，政府鼓勵銀行從事高風險活動，o係呢個咁既時候，有必要嗎？
2 則留言:
The government policy is to re-establish public confidence on HK financial system (the same as the response of other countries).
I don't quite agree that this will encourage banker to invest on high risk financial products to sustain their profit. The loan to capital ratio of banks is not so high.
In the view of build up confidence, of course it works!
Second part of your reply,...I don't very understand!
Why bank won't invest on high risk financial products to sustain their profit??
What is the loan to capital raito???
What I think is: as our government said,..actually they don't think it will really need to pay for bank's run. So,.why suggest a 100% deposit insurance??
In US, UK and Japan, there is no 100% deposit insurance....(in Japan,deposit insurance is about HK$200,000, US$100,000 in US) why HK need to do so!?
What do u think!?
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