中小银行合并重组风险及防范分析  

Analysis of the Risks and Prevention of the Merger and Reorganization of Small-Medium Banks

作　　者：林兴[1] LIN Xing(School of Finance,Fujian Jiangxia University,Fuzhou,350108,China)

机构地区：[1]福建江夏学院金融学院,福建福州350108

出　　处：《福建江夏学院学报》2020年第6期29-37,共9页Journal of Fujian Jiangxia University

基　　金：福建江夏学院科研创新团队“金融服务乡村振兴科研创新团队”资助项目。

摘　　要：当前,中小银行呈现资本充足率持续下滑,不良资产总额持续攀升的状况,局部性、结构性金融风险不断扩大。合并重组已成为消除其风险隐患的有力手段之一。中小银行合并重组有强强、强弱、弱弱合并重组三种模式,不同合并重组模式的合并动机及存在的风险隐患各有不同。推进中小银行合并重组应减少行政性干预,在坚持市场化原则的前提下实施合并重组:支持强强联合、鼓励强弱联合、控制弱弱联合;多渠道补充资本,完善治理内部控制制度;建立破产处理制度,有效活用存保基金。At present,the capital adequacy ratio of small-medium banks continues to decline,the total amount of non-performing assets continues to rise,and the local and structural financial risks continue to expand.Mergers and reorganizations have become one of the powerful means to eliminate their hidden risks.The merger and reorganization of small-medium banks has three modes:strongstrong,strong-weak,and weak-weak combination.Different merger and reorganization modes have different motives and hidden risks.Promoting the merger and reorganization of small-medium banks should reduce administrative intervention,and implement mergers and reorganizations on the premise of adhering to the principle of marketization:support strong-strong combination,encourage strongweak combination,and control weak-weak combination;replenish capital through multiple channels and improve governance internal control systems;establish a bankruptcy settlement system and effectively use the deposit insurance fund.

关 键 词：金融风险 中小银行 合并重组 

分 类 号：F832.1[经济管理—金融学]