我国银行业市场退出制度初探

银行业市场退出的监管是现代金融监管体系下不可或缺的内容。针对问题银行的倒闭危机，监管当局若无法及时有效地处理，不仅损害存款人与债权人的利益，还将影响整个金融体系的安全性与稳定性。随着国内银行业竞争加剧，完善有关法律制度，综合运用救助措施，建立多层次紧急援助基金，建立存款保险制度和相关配套制度等是现阶段应对银行业的市场退出机制的必然选择。

Research on Market Withdrawal Mechanism for China 'S Banks

Finance supervision system is composed of market admittance supervision,operation supervision and market withdrawal supervision. Banking market withdrawal supervision is of necessity for a perfect finance system nowadays. In connection with the possibility of going bankrupt of a bank,the supervision authorities should take effective measures in time to avoid doing any harm to depositors and creditors and causing Domino Effect,which might bring about serious problems in security and stability of the whole fi...