我国金融机构市场退出机制研究

A Study on the Mechanism of Market Exit of Financial Institutions in China

通过论述金融机构市场退出的方式及必要性,针对现阶段中国金融机构市场退出机制存在的问题,提出了建立金融机构独立承担责任的制度、完善金融监管法律体系、加快金融机构破产立法、合理选择存款保险的制度安排防范银行业的道德风险、完善金融风险评价和预警机制等一系列措施来完善金融机构市场退出机制,从而维护金融稳定。

As financial industry starts late in China, our financial market is relatively backward compared with developed countries, and its legal system of exiting the market is relatively incomplete. This paper discusses the way and necessity of market exit of financial institutions, aims at the present problems of the financial institutions＇ exit from market in China, and provides a series of measures that establishing of financial institutions to assume responsibility for the system, improving the legal system of financial supervision, accelerating the bankruptcy legislation of financial institutions, choosing the system arrangement of deposit insurance reasonably to prevent the moral hazard of the banking industry, perfecting the financial risk assessment, early warning mechanism and so on to improve the financial institutions of China exit mechanism,so as to maintain financial stability..