中小银行风险处置问题的思考

Thoughts on the Risk Disposal of Small and Medium-sized Commercial Banks

我国存款保险制度自2015年正式实施以来,市场化、法治化风险处置机制不断完善,但目前仍面临着商业银行风险成因复杂、风险处置实践经验不足等现实问题,如何选择风险处置路径已成为必须考虑的问题。基于此,本文深入分析了国内现有的风险处置方式及存在的现实困境,并梳理了美国、英国和日本等国家对高风险银行的处置机制和实践经验,提出应尽快出台专门性法律法规、构建激励相容的市场化处置机制和强化识别预警、早期纠正职责等对策建议,以期为我国处置实践提供参考。

Since China’s deposit insurance system was formally implemented in 2015,the market-based and legalized risk disposal mechanism has been continuously improved,but it is still facing practical problems such as the complexity of the causes of risks in commercial banks and the lack of practical experience in risk disposal.How to choose a specific risk treatment path has become a problem that must be considered.Based on this,this paper provides an in-depth analysis of the existing domestic risk disposal methods and the existing real dilemmas and combs the disposal mechanism and practical experience of high-risk banks in the United States,the United Kingdom,Japan.And it puts forward countermeasures and suggestions such as enacting special laws and regulations as soon as possible,building an incentive-compatible market-based disposal mechanism,and strengthening identification and warning,and early correction of responsibilities,in order to provide a reference for China’s risk disposal practice of small and medium-sized bank.