文档介绍：提要
金融是现代经济的核心在促进经济发展和社会稳定中发挥着重要作用金融业
是高风险行业随着金融全球化自由化创新化证券化和电子化的发展金融风
险不断积聚金融机构危机事件频频发生严重影响着金融安全和金融稳定我国在
过去计划经济体制下金融业高度垄断金融机构主要依靠国家信用市场退出问题
未能引起足够的关注改革开放以来尤其是随着我国社会主义市场经济的逐步建立
和金融体制改革的不断深化按市场经济规律办事让危机金融机构及时退出市场以
提高资源配置效率成为我国金融业所必须面对的现实目前我国在金融机构市场准
入和日常业务营运监管中都有相对较完善的法规和制度约束但在金融机构市场退出
方面尚未形成比较完备的退出机制以化解金融风险
本文采取理论研究和实证分析相结合的方法在对西方国家危机金融机构市场退
出制度进行研究和实证考察的基础上总结国际经验并结合我国国情分析我国危
机金融机构市场退出的现状和存在问题对我国危机金融机构市场退出的体制框架进
行了大致设计提出了完善三个体系 组织体系法律体系和市场体系以及
建立一个制度 存款保险制度的理论观点并对当前适合我国国情的市场退出
方式进行了探讨有针对性地提出了关闭转破产是当前适合我国国情的市场退出方式
这一结论分析了关闭转破产方式的制度基础及在我国的适用性对关闭转破产方式
的具体操作进行了初步研究
1
ABSTRACT
As the core of the modern economy, Finance plays a very important role
in promoting the economy development and society stabilization. Finance is
an industry with high risk. As the development of financial globalization
liberalization and securitization, financial risks accumulate gradually, the crisis
affairs of financial institutions occur frequently, and these have serious
influence on financial security and stabilization. Under the plan economy
system in the past, our financial industry was highly monopolized, financial
institutions mainly depended on the national credit, and we haven’t paid
enough attention to the problem of market exit. Since we carry out the Reform
and Open Policy, especially as the progressive establishment of our socialist
market economy and continuous deepening of the financial system reform,
according to market economy law, Chinese financial institutions must face
reality that unhealthy institutions should be withdrawed from the market
without delay in order to enhance the efficiency of resource distribution. At
present, we have the relatively perfect laws and regulations in financial
institutions’ market access and daily business supervision. But in market exit,
we haven’t formed the adequate exit mechanism to mitigate financial risks.
This thesis takes the method bini