中文摘要：

通过建立由银行信号引起的基于主体交互的羊群效应模型解释信息不对称导致银行挤兑发生以及风险传染的机制.研究的信息不对称主要体现在两个方面：储户不能通过银行信号准确判断银行的真实投资状况;储户不能完全获得所有其他邻居储户取款决策的信息.

英文摘要：

Bank runs are a major concern leading to financial instability.Causes leading to bank runs,and reasons for contagious risk to cause financial instability were examined in the present paper.The method of agent-based computational economics was used for the herd effect model,.This model recognizes that asymmetric information leads to bank runs and influences stability of the banking system.This model introduces two aspects of asymmetric information.One aspect is that depositors make inaccurate decisions because banking signal is inaccurate.Another aspect is that depositors can not obtain all information about decision which adjacent depositors make.