商业银行退出机制和存款人利益保障法论.pdf

我国应由政府负责建立和实施，只有实行完善的推进政策才能尽快建立这一维 系存款人利益和整个金融体系稳定的重要制度。但存款保险制度在我国目前仍 处于理论论证阶段，如何有效防止道德风险、逆向选择也众说纷纭。这也说明 这一制度创新并非轻而易举，它从初创到成熟都处于不断发展、不断完善的过 程。除了建立存款保险制度外，还须规范商业银行的市场退出行为，减少商业 银行市场退出是保护存款人利益的关键。 关键词：商业银行；市场退出；存款保险制度；存款人利益保护 Abstract Underthemarket conditions．the basedoneconomic economic indeterminacy financial thenatural winandtheinferior of movement；functionslaw…-”Superior wash inner ofthe and of out”；the requirementmanagementdevelopment commercial offinancialreformandChina’S into bank；theproceeding system entry WTO．Thefinancialmarketsoon lets loose，marketcompetition comprehensively betweencommercialbanks alsobecomesintense．Ifthe had daybyday economy final isthe offinancethat andthe reflection problems，its highest inevitablyproblem is”themodemeconomic extremeandthe reflectionoffinancial core“，but thorough and of isthefinancialchaosthat causesclosure various problem finally bankruptcy financial financial hasdecidedinthefinancial organs．The industryparticularity domainnoblecharacterandcreditor‘S wideness．Therefore，when danger processing a commercialfirst matteristo thenational questioned bank，theimportant guarantee