商业银行退出录麓葱论文定稿.docVIP

PAGE  我国商业银行的市场退出机制研究 XX 金融学 083金融（X）班 XX 指导老师：徐金喜 讲师 　　摘要：商业银行的特殊性，决定了其面临着巨大的风险。随着我国加入WTO和金融体制改革的深入，银行之间的竞争日趋激烈，所面临的风险日益加大，这无疑增加了商业银行经营失败的可能性。建立和完善我国商业银行市场退出机制，引导问题银行安全退出成为我们亟需解决的问题。本文以金融理论为理论基础，在深入研究商业银行市场退出对银行体系效率和金融稳定影响的基础上，分析了国外商业银行市场退出状况，通过考察我国商业银行市场退出的现状，并对构建我国商业银行市场退出机制及有关的配套措施等进行了探索，笔者认为应该从以下几方面入手：首先，政府应该建立与退出程序相配套的法律法规。其次，设计科学的风险预警体系???再其次，建立存款保险制度。最后。改善我国金融机构退出的市场环境。 　　关键词:商业银行；市场退出；风险预警；存款保险制度 research of China’s commercial banks withdrawal mechanism Abstract：The particularity of commercial banks, decided its are facing huge risk. With Chinas accession to the WTO and deepening of reform in financial system, banks and other financial institutions between the increasingly fierce competition, facing increasing risks, this is an increase of the commercial banks of the possibility of failure. The establishment and improvement of Chinas commercial bank market withdrawal mechanism, guide question bank safety exit become a problem to be solved urgently Basing on financial theories, this paper investigates the influence of commercial bank withdrawal form market, Analysis of foreign commercial banks withdraw from the market status. Through recall Chinas commercial bank withdrawal history, the author gives some proposals on bank withdrawal problem, detail as follows:First of all,the government should establish and exit procedures related laws and regulations. Secondly,the design of a scientific risk early warning system.Thirdly,the establishment of deposit insurance system. Finally, to improve Chinas financial institutions to withdraw from the environment. Key Words: Commercial Bank; Market Withdrawal; Risk warning; Deposit Insurance System  目 录 一、商业银行退出机制概述1 （一）商业银行退出机制的概念1 （二）商业银行退出机制的分类1 二、建立银行市场退出机制的原因及必要性2 (一）发生银行危机的可能性2 （二）银行市场退出必要性分析3 三、商业银行市场退出机制的比较分析4 （一）海外银行退出的一般特征4 （二）通过海发行的关闭看我国银行退出的现状6 （三）我国银行退出存在的问题7 四、完善我国商业银行退出机制的建议9 （一）建立和完善商业银行市场退出的法律法规9 （二）完善银行风险预警机制12 （三）建立存款保险制度13 （四）改善金融机构退