健全早期纠正机制的思路和建议  

The Improvement of the Early Correction Mechanism of Rural Credit Cooperatives:An Empirical Analysis of Insurance Institutions Based on a Problem

作　　者：高怀璧[1] 陈明荣[1] 吴正鹍[1] 樊巾 GAO Huaibi;CHEN Mingrong;WU Zhengkun;FAN Jin(The Baiyin Branch Of the People's Bank of China,Baiyin Gansu 730900)

机构地区：[1]中国人民银行白银市中心支行,甘肃白银730900

出　　处：《西部金融》2020年第9期51-54,共4页West China Finance

摘　　要：早期纠正是一种预防和减轻金融风险的有效方法,本文总结分析了问题投保机构早期纠正的国际经验和措施,对构建我国问题投保机构早期纠正机制提出政策建议:明确存款保险早期纠正的触发标准;对投保机构的风险通过量化指标进行分级,并确定相应的早期纠正措施;赋予存款保险机构多样化得及时纠正工具,实施差异化得早期纠正措施;加大惩处力度,强化存保机构威慑力。The early correction mechanism is one of the effective methods to prevent and resolve financial risks,but how to apply the early correction mechanism to rural credit cooperatives in China is still in the exploration stage,there are some problems to be solved.In this paper,through combing the framework and experience of some developed countries on the early correction of problem insurance institutions,to provide a reference for the construction of China's deposit insurance early correction mechanism for problem insurance institutions.At the same time,taking the a insurance institution as an example,this paper analyzes its risk situation and causes,expounds in detail the measures taken for the early correction of the insurance institution,points out that the current early correction mechanism fails to achieve the expected goal in preventing and resolving the risks of agricultural credit cooperative institutions,and further discusses the improvement of the early correction mechanism of agricultural credit cooperative institutions.

关 键 词：农信合机构 早期纠正 存款保险 

分 类 号：F240[经济管理—劳动经济]