权益分类	功能权益	普通用户	{{item.name}}会员
{{category.name}}	{{benefitItem.name}}

A theoretical as well as empirical research concerning conditions and requisites for the Narrow-banking Plan to come to reality through utilizing the information and communication technology

关于利用信息和通信技术实现狭义银行计划的条件和要求的理论和实证研究

基本信息

批准号：
14530121
负责人：
IWASA Yoichi
金额：
$ 1.22万
依托单位：
Kansai University
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2002
资助国家：
日本
起止时间：
2002 至 2004
项目状态：
已结题

项目摘要

Deposit guarantee schemes are one of institutions that make payment and settlement systems safe and secure. But they may cause moral hazards that lead to considerable social costs. Narrow-bank can be thought as one of important alternatives. This scheme, however, is often argued as not being viable because of its weak profit basis. Our research aims at making clear if ICT (information and communication technology) contributes in this respect. Though ICT may enforce the profitability of narrow-banks through making their operation highly efficient, it cannot avoid owing much cost to cover insecurity of the technology yet to be overcome and incredibility and unreliability felt by users. Therefore one of our conclusions at the moment is that narrow-bank comes to reality only when it is supported by a public entity of some kind. Instead of establishing an independent narrow-bank entity, a scheme where a narrow-banking account is held within a existing bank is also thinkable. One of important issues there is to what extent internal cost/revenue compliment from other accounts to the narrow-banking account is permissible and the other issue is whether the coverage by deposit guarantee schemes is limited to the narrow-banking account only. Ultimately most important issue is whose social costs will be smaller when we compare them of deposit guarantee schemes and of narrow-bank plans. We have not empirically cleared this issue yet, and including this point we further have to exam if so-called electronic moneys of any kind also may have a reliable narrow-banking function.

存款担保计划是保证支付和结算系统安全可靠的制度之一。但它们可能会引发道德风险，导致相当大的社会成本。窄岸可以被认为是一种重要的替代方案。然而，由于利润基础薄弱，这种方案常常被认为是不可行的。我们的研究旨在弄清楚ICT（信息和通信技术）是否在这方面有所贡献。虽然信息通信技术可以通过提高窄带银行的运营效率来增强其盈利能力，但它也无法避免为弥补技术尚未克服的不安全性以及用户所感受到的不可信和不可靠而付出的巨大成本。因此，我们目前的结论之一是，只有在某种公共实体的支持下，窄银行才会成为现实。与其建立一个独立的窄银行实体，还可以考虑在现有银行内持有窄银行账户的方案。其中一个重要问题是，其他账户对狭义银行账户的内部成本/收入恭维在多大程度上是允许的，另一个问题是，存款担保计划的覆盖范围是否仅限于狭义银行账户。最终，最重要的问题是，当我们比较存款担保计划和狭义银行计划时，谁的社会成本更小。我们还没有从经验上解决这个问题，包括这一点，我们还必须进一步检验任何形式的所谓电子货币是否也可能具有可靠的狭义银行功能。