存款保险框架下问题银行救助的制度安排

存款保险机构对问题银行的处理正在经历由事后救济向事前预防的转变,对问题银行的救助必须遵循市场化原则,救助既要考虑大银行的现实问题,同时也要顾及成本与收益的关系。在对问题银行进行全面评估的基础上,存款保险机构可以运用多种救助手段并遵循法定程序对问题银行施以救助,使其恢复正常经营。

Institutional Arrangements for Aiding Problem-involved Banks Under the Framework of Deposit Insurance

In order to lighten the negative impact of bank failures on social economy, deposit insurance agencies are going through the transformation from afterwards relief to beforehand precaution. Currently, this method is adopted to prevent bank crisis by most deposit insurance agencies. Deposit insurance agencies must follow marketization principle to aid problem-involved banks. Two important factors, the influence of big banks and the balance of cost-benefit, must be considered firstly. On the base of evaluating problem banks completely deposit insurance agencies decide to aid problem banks in various ways so as to help problem banks return to nonnal.