论存款保险制度下我国问题金融机构退出机制的转变  

The Transformation of the Exit Mechanism of China's Financial Institutions under the Deposit Insurance System

作　　者：安世友[1,2] 

机构地区：[1]中国华融资产管理股份有限公司 [2]复旦大学

出　　处：《金融监管研究》2015年第6期93-105,共13页Financial Regulation Research

摘　　要：2015年3月,国务院正式出台《存款保险条例》,并已经于5月1日正式实施。《存款保险条例》生效标志着我国金融业的市场环境及运行机制必定会发生实质性的转变,其中最重要的转变之一是在存款保险制度框架下,问题金融机构的市场化退出机制将逐步完善。本研究通过分析存款保险制度实施后问题金融机构退出的机制转变,并针对机制转变中所存在的风险监管、风险预警、风险定价、风险处置等问题,提出在存款保险制度下,做出我国金融监管架构的适应性调整,强化金融机构风险预警的实际效果,选择科学的问题金融机构定价体系,建立有效的问题金融机构风险处置机制等政策措施。In 2015 March, the State Council issued ＂The Regulations on Deposit Insurance ＂, and it has been formally implemented on May 1st. The implementation of the Regulations marks a substantial change in the market environment and the operating mechanism of China＇s financial industry. One of the most important changes is that under the deposit insurance system, market exit mechanism of financial institutions will gradually be improved. This paper studies the transformation of the exit mechanism of China＇s financial institutions under the deposit insurance system and the problems caused by the transformation on risk supervisions, risk early warning, risk pricing and risk disposal. Finally, this paper proposes related policy suggestions to tackle these problems, including adjustment of the supervisory structure, improving the risk early-warning system, applying more accurate risk pricing model and building a more effective mechanism of risk disposal mechanism for financial institutions change and the existence.

关 键 词：存款保险 退出机制 转变 

分 类 号：F832.3[经济管理—金融学]