一个更加基本的问题是存款保险在多大程度上扭曲了银行的激励。
A more fundamental problem is how deposit insurance distorts Banks' incentives.
然而，税收激励机制可能对有更多钱存款的富人最有利，而低收入人群会发现税收条例过于复杂。
But tax incentives are likely to be of most benefit to the rich, who have more money to save; and those on lower earnings may find the tax rules too complicated.
只要存款者确信他们可以拿回自己的钱,不管情况如何他们都缺乏激励去监督银行的业务情况.
Once depositors are sure of getting their money back, whatever the circumstances, they have little incentive to monitor a bank's business.
理论上讲，存款保险制度改变了存款人和银行面临的激励约束，一方面消除了恐慌性银行挤兑，隔绝了危机在银行间的传染；
Theoretically, deposit insurance changes incentive restrictions faced by the depositors. On one hand, it eliminates the panic bank runs, so as to isolate the infectivity of bank crisis.
负利率并未激励银行更多地借贷，因为银行担心存款减少，所以在放贷方面将更为谨慎。
Far from being incentivised to lend more, Banks worried about shrinking deposits would be warier of extending credit.
这个课题认为一些加强限制的措施导致了更激励的竞争，这些措施包括限制定期存款的利息或者规定防范银行在公开市场上的操作的等。
It argues that the lifting of restraints, such as interest-rate caps on deposits or rules that prevent banks from operating in certain markets, leads to more intense competition.
另一方面，存款保险制度不是设计用来导致银行危机，它会激励银行承担过度风险。
On the other side when the deposit insurance system is not designed properly can give rise to bank crisis as it gives incentive to the Banks to take excessive risks.
另一方面，存款保险制度不是设计用来导致银行危机，它会激励银行承担过度风险。
On the other side when the deposit insurance system is not designed properly can give rise to bank crisis as it gives incentive to the Banks to take excessive risks.
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