基于问题银行风险处置对完善我国金融安全保障体系的思考  

Reflection on Improving China's Financial Security System Basedon Problem Bank Risk Management

作　　者：林春喜[1] 胡恒武 白晓云 张愫忱 Lin Chunxi;Hu Hengwu;Bai Xiaoyun;Zhang Suchen(Yili Kazak Autonomous Prefecture Branch,the People's Bank of China)

机构地区：[1]中国人民银行伊犁哈萨克自治州分行

出　　处：《金融发展评论》2024年第7期1-12,共12页Financial Development Review

摘　　要：当前影响金融安全内外部不确定因素持续增多,金融风险防控形势严峻,我国金融安全保障体系仍需持续完善。本文以我国金融体制改革金融安全保障体系现状为基础,立足包商银行、锦州银行、恒丰银行及河南四家村镇银行等单体风险处置现实案例,吸取美国、日本在问题银行处置中的经验和教训,从完善存款保险机制,构建多层次的风险保障机制,搭建信息共享平台等方面提出完善我国金融安全保障体系的建议,以更好地防范化解问题银行风险。The current situation of internal and external uncertainties affecting financial security continues to increase,and the situation of financial risk prevention and control is severe.China's financial security protection system still needs to be continuously improved.This article is based on the current situation of China's financial system reform and financial security guarantee system.Based on the real cases of risk disposal of individual banks such as Baoshang Bank,Jinzhou Bank,Hengfeng Bank,and four rural banks in Henan Province,this article draws on the experience and lessons learned from the United States and Japan in dealing with problem banks,and proposes suggestions to improve China's financial security guarantee system from the aspects of improving deposit insurance mechanisms,building multi-level risk protection mechanisms,and building information sharing platforms,in order to better prevent and resolve problem bank risks.

关 键 词：金融安全 问题银行 存款保险 风险处置 政府干预 

分 类 号：F832[经济管理—金融学]