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在市场竞争日趋激烈的金融环境下,建立城市商业银行有效市场退出机制,不仅可以减轻国家财政负担,还可以促进城市商业银行形成有效激励约束机制,实现健康有序地发展。本文通过回顾中国金融机构退出现状以及城市商业银行的发展状况,分析了中国城市商业银行退出机制存在的问题,从建立显性存款保险制度和完善金融机构市场退出法律体系两个角度,对中国城市商业银行构建有效市场退出机制提出政策建议。
Under the increasingly fierce market competition, setting up an effective market exit mechanism of city commercial banks can not only reduce the national financial burden, but also promote the formation of an effective incentive and restraint mechanism for city commercial banks to achieve a healthy and orderly development. By reviewing the withdrawal status of China’s financial institutions and the development of urban commercial banks, this paper analyzes the existing problems in the exit mechanism of China’s urban commercial banks. From the perspectives of establishing a dominant deposit insurance system and perfecting the market exit of financial institutions, Commercial Banks Establish Effective Market Withdrawal Mechanism and Put forward Policy Suggestions.