论建立我国网络银行的市场退出机制

The Construction of Market Exit Mechanism of Internet Banks in China

市场退出机制是金融监管体系的一个重要组成部分。目前,我国对网络银行市场退出的研究还存在大量空白。从网络银行退出机制建立的必要性入手,对网络银行市场退出进行了博弈分析,提出我国网络银行退出机制建设应当遵守的基本原则,认为我国应当尽快设立专门的网络银行市场退出的监管机构、建立网络银行预警机制以及存款保险制度,并完善网络银行市场退出的相关法律制度,以建立符合我国国情的网络银行市场退出机制。

The market exit mechanism is a very important part of the financial supervision system.There is a large blank in the research of market exit mechanism for internet banks.The paper analyzes the necessity of establishing a market exit mechanism for internet banks,establishes a game model and gives suggestion on the exit principles of internet banks.Finally,the paper puts forward that China should set up special supervision institutes for internet bank exit,establish early warning mechanism and deposit insurance system for internet banks,and consummates the laws for internet bank exit in order to establish the market exit mechanism for China′s internet bank.