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从最后贷款人制度的演进过程看,最后贷款人是中央银行的核心角色和基本特征。作为金融安全网的基石之一,最后贷款人制度对防范一个国家金融危机的发生发挥了重要作用,但同时也带来了道德风险等制度成本。在充分认识我国最后贷款人制度现状的基础上,应采取最后贷款人制度的要素条件、实行建设性模棱两可原则等对策来完善最后贷款人制度。
From the perspective of the evolution of the lender of last resort, the lender of last resort is the central role and basic characteristic of the central bank. As one of the cornerstones of the financial safety net, the lender of last resort has played an important role in preventing the occurrence of a national financial crisis, but at the same time has also brought about institutional costs such as moral hazard. On the basis of fully understanding the status quo of China’s last lender system, we should take the factors and conditions of the final lender system and implement constructive ambiguities and other measures to improve the system of the lender of last resort.