我国问题银行市场退出效率分析

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1、ABSTRACTDuetothefinancialindustrywithhigh-riskcharacteristics，thebank，asthecADreofthefinancialindustry,howgooditisrunto，andhowvigilancetoitoftheregulatoryauthorities，itwillnotavoidproblems，especiallyintimesofeconomiccrisis，thebankingsystemasawholewillbecometomorefragile，oncealargeareaofbanksge

2、tintoproblems，itsnegativeimpactwillbeincalculable．Governmentorfinancialregulatorsisboundtohandletheproblembanksinaccordancewiththeextentoftheproblem，forthesecurityoftheentirefinancialsystemandthestabilityofthenationaleconomy．Thebank,whichistoobadtocomebackhealth，shouldbeexitmarket，andavoiditbr

3、ingadevastatingblowtotheentirefinancialsystemandeventothenationaleconomybroughtintoasevererecession．Problembankswithdrawfromthemarketpracticestartedrelativelylateinourcountry,andwehaveformedanexecutive-ledbankingmarketexitcharacteristicsinourcontinuedexplorationpractices．Forwhatspecificformiti

4、s，andefficiency,wehavelaunchedastudy．Asanappliedresearch，themainspaceontheoutofthestatusquoofourexecutive-ledbankingmarketanalysisandmeasurementofefficiency．First,weusethemethodofqualitativeanalysistoConcludedthat：themarketexitcostsistoohighofourcountry,resultingintheproblembankmarketexitmecha

5、nismimbalance，asinglemeansofdisposalofproblembanks，theloss-sharingmechanismandthedrivingmechanismofinterestmissingandtheneglectofproblembankstoexittheconstructionoflegalsystem．Thenweusethemethodsofquantitativeanalysis，usingthehypothesisofcostminimization，carriedouttomeasuretheefficiencyofourex

6、ecutive—ledbankingmarketexiLcomparedwiththeexitofproblembanksintheUnitedStates，cometotheexecutive．1edmodeofexittheefficiencyislowinChina．Finally,accordingtotheabovestudyonhowtoimprovetheefficiencyofthemarketexitofproblembanksinChina，proposedtheintroductionofloss—sharingmechanism，theestablishme

7、ntofexplicitdepositinsurancesystem，choosetoUseadministrativemeans；toimprovetheriskpreventionmechanism，improvethebanktoexitthebedyoflaw,andotherspecificpolicyrecommendations．KeyWords：problembanks；marketexit；theefficiencyofexit；influencin