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首页> 外文期刊>Research Journal of Finance and Accounting >The Role of Corrective Dynamic Market Discipline in the Relationship between Deposit Insurance System and Bank Moral Hazard: Case of Dual Banking System in Indonesia
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The Role of Corrective Dynamic Market Discipline in the Relationship between Deposit Insurance System and Bank Moral Hazard: Case of Dual Banking System in Indonesia

机译：纠正性动态市场纪律在存款保险制度与银行道德风险之间的关系中的作用：以印度尼西亚双重银行制度为例

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摘要

This study purposes to develop a new concept of market discipline and to examine the role of its concept namely corrective dynamic market discipline in the relationship between deposit insurance system and bank moral hazard. The data of this study is obtained from semi annually financial statements of conventional banks and Islamic banks in Indonesia over the period from 2005 to 2011 that published by Bank Indonesia. Using path analysis to examine the existence of mediating factor, this study shows the important results. First, paid premium ratio and maximum coverage as the measurement of deposit insurance system negatively affect on solvency ratio and that indicate the existence of moral hazard. Second, paid premium ratio also negatively affects on corrective dynamic market discipline and shows the respond of market into banks decision in determining bank cost. Third, corrective dynamic market discipline positively affects on bank solvency and the result shows the role of market in mitigating bank moral hazard. Fourth, corrective dynamic market discipline doesn’t mediate the relationship between deposit insurance system and bank moral hazard
机译：本研究旨在发展一种新的市场纪律概念，并研究其概念即纠正性动态市场纪律在存款保险制度与银行道德风险之间的关系。这项研究的数据来自印尼常规银行和印尼伊斯兰银行在2005年至2011年期间发布的半年度财务报表。通过路径分析来检验中介因子的存在，本研究显示了重要的结果。首先，作为存款保险制度衡量指标的已付保费比率和最大覆盖率对偿付能力比率产生负面影响，并表明存在道德风险。其次，实缴保费比率也对纠正动态市场纪律产生负面影响，并显示市场对银行决定银行成本的反应。第三，动态市场纪律矫正对银行偿付能力有积极影响，其结果表明市场在减轻银行道德风险方面的作用。第四，矫正动态市场纪律不能调解存款保险制度与银行道德风险之间的关系

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