中国问题银行退出路径研究——基于国际比较视角  

The Research on Exit Path of China's Problem Bank

作　　者：陈华[1,2] 刘志威[3] 

机构地区：[1]中华人民共和国财政部财政科学研究所,北京100142 [2]山东经济学院财税金融研究所,山东济南250014 [3]山东经济学院财政金融学院,山东济南250014

出　　处：《经济与管理》2010年第12期50-56,共7页Economy and Management

基　　金：山东省科技发展计划重点专项项目(2009GG2008023);济南市社会科学规划重点项目(10BJD33);山东省软科学项目(2010RKA30-7);山东省软科学项目(2009RKA364)

摘　　要：完善的市场退出机制是一个成熟、高效金融市场应具备的特征之一。市场竞争的结果有好有坏,市场应该有进有退,劣汰才能优胜,银行业建立平稳有序的退出通道、纠错机制是完善市场的重要组成部分。相对于发达国家,中国问题银行市场退出还存在政府干预过多,政府主导行政色彩浓厚,处置手段和路径单一,规则不透明、不确定,法律不健全等问题,对此应采取救助、收购或兼并、重组、接管、解散、撤销、破产等路径选择。Perfect exiting mechanism is an important character of a mature and efficient financial market. The result of market competition is good or bad, market should have entry and exit mechanism, good to win, bad to quit. Banking industry building stable and orderly exit path and error correction mechanism is the importment part of pel＂feet market.Compared with developed countries, our question bank market exiting still exist overmuch government intervention, too much government leading administration, onefold disposal means and read levy; rule opaque, uncertainty, and the imperfect law. We should take salvage, acquisitions or merger, reorganization, takeover, dissolution, revocation, bankruptcy, etc path selections.

关 键 词：问题银行 退出路径 机制 国际比较 纠错机制 

分 类 号：F832.1[经济管理—金融学]