頁籤選單縮合
題名 | 從泰國、韓國的雙危機探究臺灣目前金融機構的困境=From the "Twin Crises" Experiences in Thailand and Korea to Study the Financial Problems in Taiwan |
---|---|
作者 | 張美惠; 徐雅慧; Chang, Mei-huei; Hsu, Ya-huai; |
期刊 | 醒吾學報 |
出版日期 | 20011000 |
卷期 | 24 民90.10 |
頁次 | 頁325-342 |
分類號 | 562.92 |
語文 | chi |
關鍵詞 | 銀行與貨幣的雙危機; 系統風險; 金融自由化與法規解除; 道德風險; Banking and currency crises; Twin crises; Government guarantees; Government debts; Moral hazard; Financial liberalization and deregulation; |
中文摘要 | 雖然臺灣在東南亞金融風暴中受傷最輕,正當人們慶幸資產沒有受到波及而縮水或破產時,卻因全球景氣的走下坡,國內的產業大受影五,面臨嚴重的倒閉,引起銀行的呆帳累積而產生流動性與償債性問題,增加倒閉的機率,正所謂本土性金融風暴的來臨。本研究的目的是希望藉由案例式探討—泰、韓兩國的金融風暴,比較其發生原因、結果、及解決方法,作為臺灣的借鏡,提供給政府單位做為參考,避免臺灣的本土性金融風暴影響太大而造成經濟衰退所需負擔的可怕成本。 |
英文摘要 | In recent years, many countries worldwide have experience serious banking and currency problems with common characteristics of sharp reductions in output and increasing unemployment. These crises are named the “twin crises.” We review and interpret the recent experiences from the financial twin crises in Southeast Asia, which we have learned the lesions as follows. First, mass capital flows to those developing countries supported credit growth and a boom in economic activity that was associated with growing financial sector vulnerability. Second, the probability of twin crises increased by large government deficits stemming from guarantees to failing financial sector and large guilt industries. Finally, the government inappropriate financial system protection caused the increasing moral hazard, which made the larger vulnerability in financial sectors. Thus, financial liberalization and deregulation are the good problem solutions, but to avoid moral hazard happened, governments must have implicit and explicit fiscal reforms which include concrete measures to cut government expenditures and decrease government debts or guarantees to failing units. Market discipline must be permitted to increase to offset the decline in regulatory discipline. |
本系統之摘要資訊系依該期刊論文摘要之資訊為主。