“TBTF”学理与我国中小银行发展

“ Too Big To Fail" and the Development of Our Small Banks

“ TBTF”学理在西方国家银行监管实践中普遍存在，也是存款保险制度或体系的固有问题之一。本文在对“ TBTF”学理进行评述的基础上，分析了其在我国银行监管实践中的体现。由于该学理对规模不同的银行所采取的差别待遇，其实践对我国中小银行的发展和整个金融体系产生了深远的影响，分析和研究其影响并采取有效的措施加以改善成为完善我国银行监管制度和建立存款保险体系亟待解决的问题。

The thought of“ Too Big To Fail' is existed in the banking－ supervision practice for westen countries.It also has become one of the most serious problems in Deposit Insurance System. Founded on this basis,this essay analyses the actual expression in our country. We find this thought has taken serious effects on our banks,especially for the small banks.This essay also analyses the solutions to this problem.