存款保险制度框架下中国商业银行市场退出机制研究

发布时间：2018-01-15 03:03

本文关键词：存款保险制度框架下中国商业银行市场退出机制研究　出处：《安徽大学》2016年硕士论文　论文类型：学位论文

【摘要】：随着市场经济的不断发展,中国的银行业市场准入在很大程度上放低了标准和要求,大量的中小银行进入市场,银行业市场的竞争日益加剧。由于任何市场的容量都有一定的限度,银行业市场也不例外,当部分商业银行经营不善、资不抵债时,退出市场是必然的结果。商业银行市场退出过程涉及到退出标准的设定、金融风险预警机制的完善、市场退出方式的选择、相关法律法规的构建,以及存款保险制度的建立和运用等。目前,作为金融安全网的三道防线之一的存款保险制度已在中国初步实施,其有效施行是构建完善的商业银行市场退出机制过程中非常重要的一个环节,存款保险机构在商业银行市场退出过程中扮演着重要角色。所以本文在存款保险制度框架下,分析如何建立健全商业银行市场退出机制,进而达到稳定金融秩序的作用。本文首先对存款保险制度的演化作了简要概述：对商业银行市场退出机制做了理论分析,主要从商业银行市场退出的可能性及构建商业银行市场退出的必要性来阐述。然后重点分析了存款保险制度与商业银行市场退出机制的关系,一是存款保险制度有利于商业银行市场退出机制的构建,二是存款保险制度的实行在给商业银行运行带来积极影响的同时,也会给其带来负面效应,从而会导致商业银行退出市场。接下来比较分析了国外存款保险制度框架下商业银行市场退出机制,总结了成功经验,并阐述了中国商业银行市场退出机制的现状及存在的问题。最后,通过前文的分析,提出了存款保险制度框架下构建中国商业银行市场退出机制的建议。
[Abstract]:With the continuous development of market economy, China's banking market access to a large extent lowered the standards and requirements, a large number of small and medium-sized banks into the market. The competition in the banking market is becoming more and more intense. As the capacity of any market has a certain limit, the banking market is no exception, when some commercial banks are poor in management and insolvent. Withdrawal from the market is an inevitable result. The withdrawal process of commercial banks involves the setting of exit standards, the improvement of financial risk warning mechanism, the choice of market exit mode, and the construction of relevant laws and regulations. And the establishment and application of deposit insurance system. At present, as one of the three lines of defense of financial safety net, deposit insurance system has been initially implemented in China. Its effective implementation is a very important link in the process of constructing a perfect market withdrawal mechanism of commercial banks. Deposit insurance institutions play an important role in the process of market withdrawal of commercial banks, so this paper analyzes how to establish and improve the market withdrawal mechanism of commercial banks under the framework of deposit insurance system. And then to stabilize the role of financial order. Firstly, this paper gives a brief overview of the evolution of deposit insurance system: a theoretical analysis of the market withdrawal mechanism of commercial banks. Mainly from the commercial bank market exit possibility and the construction commercial bank market exit necessity to expound, then has analyzed the deposit insurance system and the commercial bank market withdrawal mechanism relations emphatically. One is the deposit insurance system is conducive to the construction of the market withdrawal mechanism of commercial banks, the other is that the implementation of deposit insurance system not only has a positive impact on the operation of commercial banks, but also brings negative effects. This will lead to the withdrawal of commercial banks from the market. Then comparative analysis of the foreign deposit insurance system under the framework of commercial banks market withdrawal mechanism, summed up the successful experience. Finally, through the analysis above, the author puts forward the suggestion of constructing the withdrawal mechanism of Chinese commercial bank market under the framework of deposit insurance system.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.1

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