问题银行市场退出机制研究

【作者】 康京平；

【导师】 殷孟波；

【作者基本信息】 西南财经大学 ， 金融学， 2006， 硕士

【摘要】 一、研究背景及意义正如任何企业都可能出现经营失败一样,银行业也不例外,从某种意义上讲,银行经营的历史就是一部银行倒闭的历史。据统计,在20世纪80年代到90年代,全世界共发生过100起以上的银行危机,在国际货币基金组织181个成员国中,大约有130个国家曾经发生过不同程度的银行危机。例如1991年国际商业信贷银行危机,1995年法国里昂信贷银行风波,巴林银行事件,1997年英国国民西敏士银行事件和90年代日本一系列金融事件。在中国,由于内外部的原因,中国银行业在经济体制改革过程中也积累了较多的风险,出现了很多的问题银行。例如1997年,海南28家城市信用社被海南发展银行兼并;1998年海南发展银行被关闭托管,1998年北海城市信用社和恩平城市信用社被关闭;2001年大江城市信用社被关闭等。截至2002年9月底,中国共通过各种方式处置城市信用社2770家,使处于营运状态的城市信用社由1998年底的3300家下降到520家。其中,更名改制为农村信用社l 574家,商业银行收购(收回)238家,通过组建城市商业银行吸收249家,通过合并重组使城市信用社减少217家(263家合并重组为46家单一法人社).停业整顿501家(其中137家通过撤销等方式实现最终市场退出)。大量问题银行的存在,已经对当地经济的正常运行造成了严重影响,并且随着外资银行在华业务的全面开展,竞争必将更加激烈,在一定时期内问题银行数量可能会不断增加,甚至可能会引起银行体系加大的系统性危机。但是告诉银行不要出现坏账是没有多少实际意义的。银行之所以存在,其部分原因就是从事风险投资,而在一个有效的,正常运作的金融制度下,甚至还应该时不时地有银行倒闭事件的发生1。因此,对问题银行市场更多还原

【Abstract】 1、Background significance of selecting the topicJust like any enterprise could be bankrupt, the banking industry is not exceptional, in a sense, the bank management history is a history which a bank goes bankrupt. The massive problem banks existence, already has had the serious influence to the local economy normal operation, and along with the foreign capital bank in the Chinese service comprehensive development, the competition will certainly be intense, the problem bank quantity possibly can increase unceasingly in the certain time, even possibly can cause the banking systematic crisis. Therefore, the research to the problem bank market-withdrawal mechanism, avoiding the individual problem bank’s crisis impacting on entire bank system is very important. With the advance of economy system, Chinese financial institutions have accumulated a great many financial risks. Many banks have been developed into problem bank. Thus, it’s necessary to set up the market-withdrawal mechanism of problem bank in China.2、Research ObjectsIn this article problem bank mainly refers is the commercial bank, but the policy-type bank, because the policy-type bank does not take seeking money as the goal. The American federation supervising and managing authority organization utilize camel rating method, and according to grades, dividing bank into the A-E five ranks. And regards the C-E level commercial bank as the problem bank. This article according to the commercial bank management standards of the security, Profitability, the fluidity, divides the commercial bank into the healthy bank and the problem bank two.更多还原