完善我国金融机构市场化退出机制研究——以美国、日本为例

Study on Imporoving Market-exit Mechanism of Financial Institutions:America's and Japan's Cases

中共十八届三中全会明确提出,要推进金融市场化改革,完善金融机构市场化退出机制。金融机构市场化退出机制是金融市场化改革的重点,也是金融市场化改革的最大难点。目前我国金融机构市场化退出机制尚不完善,主要表现为规则不明确、相应的法律法规和风险补偿机制空缺、以及道德风险普遍存在等。完善并推进我国金融机构市场化退出机制,可以借鉴美国、日本等发达国家的经验,重点在于建立和完善存款保险制度和风险预警机制;健全相关法律、法规以及实行多样化的退出方式等。

The decision on The Third Plenary Session of the had been made to promote financial market reform, to perfect withdrawal mechanism for financial institutions in the market. Financial institutions market exit mechanism is the key financial market reform, the biggest difficulty is also a financial market reform. At present, China＇s financial institutions market exit mechanism is not perfect and the main problem includes as such：the rules are not clear, corresponding laws and regulations are lack, risk compensation mechanism is vacancy, moral hazard exists. Learning from some developed countries, such as Japan and American, China＇s financial institutions in the market exit mechanism should be the focus of the deposit insurance system, risk early warning mechanism, legislation, exit way diversification to be perfect.