金融机构市场退出的关键是解决债务问题

The Key of the Market Withdraws of Financial Institution: To solve the Debt Problem

在市场经济条件下 ,债的主要形式是信用关系 ,银行是资金信用的中心。当银行不能履行按期支付义务的时候 ,必然造成金融恐慌 ,导致金融危机。中央银行对金融机构的严格监管均是由此而衍生。按市场原则解决债务问题的途径无非是 :或者还钱 ,或者破产豁免。本文指出了现行政策的不足之处 。

Under the market economy condition, the main form of the debt is a credit relationship, the bank is the center of the credit of the fund. When the bank can't perform duty of paying on schedule, it must cause the finance to be panic, Cause the financial crisis. Central Bank strict with financial institution supervise and born therefrom. According to major ways of solving the debt problem of market principal only. Either pay back money, or go bankrupt and exempt. Out country still lacks the laws and regulations that the market of financial institution withdraws at present. Deal with this problem by the planned economy of present policies, the article point out the weal point of the present policies and explain the way of problem to according to market regulation at the same time.