问题银行接管国际经验及其对我国的启示

接管作为一种强制性行政干预程序,是挽救问题银行或实现其有序市场退出的一种重要制度安排,并已被各国处置银行危机的实践所证明。当前,我国正在积极建立存款保险制度,其中存款保险机构对问题银行的接管成为制度设计的重要内容。本文首先对接管概念进行讨论,澄清一些认识上的混乱;从接管标准、接管组织、接管人职责以及接管过程中相关各方权力关系等角度,介绍了主要国家的实践;分析了其对我国接管制度设计的启示。

The International Experiences of the Take-over of Problem Banks and Its Enlightenment to China

As a mandatory administrative intervention program, take-over is an important institutional arrangement to save prob-lem banks or achieve its orderly market exit, which has been proved by the practice that many countries dispose of the banking crisis.At present, deposit insurance system is actively being set up, in which the take-over of problem banks by the deposit insurance institu-tion become the important content of the system design. The paper firstly discusses the concept of the take-over, clarifies the confusionof understanding. Then the paper introduces the practices of main countries from such angles as take-over standard, the organization,and responsibilities of the take-over party and power relations of parties involved in the take-over process. Finally the paper analyzesthe enlightenment to the design of China＇ s take-over system.