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DD (1983) model run on the bank deposit contract design Thought

Author: YuSha
Tutor: ZhangQiaoYun
School: Southwestern University of Finance and Economics
Course: Finance
Keywords: DD ( 1983 ) model The deposit agreement Deposit insurance
CLC: F830
Type: Master's thesis
Year: 2006
Downloads: 361
Quote: 1
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Abstract

Political Economy magazine the two authors the Douglas W.Diamond and Philip H.Dybvig, 1983 published a run on the bank crisis in the article: \In the article, the authors establish a model of a classic run on the bank crisis, (hereinafter referred to as DD (1983) model). This model has been proposed, many foreign scholars its amendments to improve and are widely used in the study of the economic problems of the relevant bank. The paper by DD (1983) model of in-depth analysis, the model not only to study the classic model of the banking crisis, but also contains a rich deposit contract design thinking. Therefore, this article focuses on study of the model from the deposit contract design perspective, this is a major theoretical innovation of this thesis. In this paper, DD (1983) model as the main theoretical basis, and to sort out the foreign literature on the model, the novelty of this thesis angle. Then the article the use of theoretical analysis, discusses a variety of methods of parsing the status quo and Countermeasures our deposit products, design defects and recommendations for improvement. The main ideas and logical structure of this study are: Firstly, a brief overview of the model itself, foreign scholars since the model proposed in this model of development, refinement and application on this basis. Combing through the literature, the article is a very new perspective to study the model from the deposit contract design angle turn of the interest rate structure of the model design and other responses to bank runs-crisis measures design analysis model the deposit contract design thinking. Finally, the combination of the theoretical analysis and the reality of our country, to dissect our current deposit products and design thinking of the status quo, to analyze the reasons and put forward China's commercial banks can improve our deposit products to increase the cost of the depositor withdrawals to enhance the stability of the depositor behavior Design status quo. The paper is divided into four parts. The first part briefly describes the DD (1983) model. DD (1983) model of the economy is divided into three time points: t = 0, 1, 2; model assumes that there is a myriad of the same parties, all parties concerned, at t = 0 will be donated by the units are likely at t = 1 liquidity needs; model also assumes that there is a long-term production technology, investment in the last two periods, the technology can determine the revenue R (R gt; 1), if the investment was recovered midway, you only get

DD (1983) model run on the bank deposit contract design Thought

Abstract

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