运用金融机构市场退出方式化解金融风险的效能分析

金融机构市场退出是金融机构终止存续状态的一种行为 ,对遏制金融风险的蔓延、保护个人存款人的权益、提高公众风险意识有着积极作用 ,但同时又在危及中小金融机构信誉、积聚风险等方面存在负效应。究其原因 ,市场退出方式本身的缺陷和不足是关键。这就要求在今后的金融风险处置上要多管齐下 ,综合治理 ,加大对中小金融机构的政策支持、慎用市场退出方式、建立存款保险制度、健全相关的法律体系

The Efficiency Analyse on Exiting of Finance Institution

The exiting of finance institution is a sort of behavior that finance institution end its existense posture.There are many positive functions on the exiting of finance institution, such as resist the extension of finance risk, protect the rights and interests of individual depositor, enhance the risk consciousness of public, but there are many negative effects in jeopardizing the credit of mid-small finance institution, accumulating risk and so on. However, the key question is the limitation and lack of the exiting fashion. The disposal measure of finance risk needs various methods, synthesis treatment, the policy sustain for the mid-small finance, the careful use of exiting fashion, the deposit insurance system and the heathy law system.