我国银行市场退出机制的现状、问题及对策研究

发布时间：2018-01-02 03:20

本文关键词：我国银行市场退出机制的现状、问题及对策研究　出处：《福建论坛(人文社会科学版)》2010年06期 　论文类型：期刊论文

【摘要】：我国银行市场退出机制的现状表现为:退出方式以强制型市场退出为主;退出模式主要表现为行政主导的小规模退出;退出路径主要依赖于托管重组;退出处理成本主要由国家财政负担。我国银行市场退出机制存在的问题是:缺乏系统健全的市场退出法律依据;缺乏合理的退出风险分担机制;行政主导的小规模退出模式存在种种弊端;存在"太大不宜倒"的退出监管容忍问题;有进无退的银行业市场容易导致过度竞争。建立有效的银行市场退出机制应做好五方面工作:明确确立银行市场退出规则的监管动机;把握好银行市场退出的时机与方式;尽快建立显性的费率基于风险调整的存款保险制度,合理地分担退出风险;以市场为主导,健全银行市场退出的法律体系及配套制度;规范银行市场准入规则。
[Abstract]:The present situation of the exit mechanism of the bank market in our country is as follows: the compulsory market exit is the main exit mode; The exit mode mainly shows as the small scale withdrawal of the administrative leading; The exit path mainly depends on the recombination of custody; The cost of exit treatment is mainly borne by the national finance. The problems of the exit mechanism of our country's banking market are as follows: lack of systematic and sound legal basis for market withdrawal; Lack of reasonable exit risk sharing mechanism; There are various drawbacks in the small-scale exiting mode of the administrative leading; There is the problem of "too big to fail" and the problem of tolerance of withdrawal from supervision; It is easy to lead to excessive competition in the banking market with advance and no retreat. Five aspects should be done to establish an effective exit mechanism of the banking market: to establish clearly the regulatory motivation of the withdrawal rules of the bank market; Grasp the timing and mode of bank market withdrawal; Establish the explicit rate of deposit insurance system based on risk adjustment as soon as possible, and share the exit risk reasonably; Take the market as the leading, perfect the legal system and the supporting system of the bank market withdrawal; We will standardize market access rules for banks.
【作者单位】：福建师范大学经济学院;
【分类号】：F832.1
【正文快照】： 一、我国银行市场退出机制的发展与现状所谓银行市场退出机制是指银行业金融机构作为法人退出金融业市场、不再存续经营的制度与方式方法的总和。完善的市场退出机制可以通过市场竞争机制和优胜劣汰抑制银行业风险的积累,促进银行业效率的提高,有利于维护市场纪律与金融安全。

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