国外有关问题银行关闭政策法规比较及其对我国的启示

The Comparison of Closure Policies of Problematic Bank Abroad and Their Enlightenments

一旦因问题银行引发系统性的金融危机可能会给整个经济造成致命打击,因而如何准确判断问题银行并适时予以关闭成为各国银行监管当局的重要任务之一。国外有关问题银行关闭的政策法规,在具体描述上可以根据标准的清晰程度分为明确的法则决定(自动式的规范)和权衡决定(一般概括性原则)。本文在对此两种决定进行比较评述的基础上,结合东西方文化的差异及其对各国问题银行关闭政策法规的影响,提出建立完善我国问题银行关闭政策法规的相关建议。

The stabilization of bank system is the core of the stabilization of financial system. The whole economy will suffer deadly harm if the problematic banks trigger systematic crisis and thus, how to recognize problematic bank and close it timely becomes one of the important tasks of each country＇s banking supervision authority. The problematic bank closure policies abroad can be divided into explicit rules （automatic norms） and balance decisions （summary principles ） according to the extent of distinctness. Based on the comparison and commentary on the two kinds of closure policy, the difference between oriental and western cultures and their influence on each country＇s closure policy and rule, the paper provides suggestions on how to improve China＇s problematic bank closure policy and rule.