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近年来,各种原因致使金融风险在不同程度地积累,也出现了金融机构倒闭退出案,而我国金融机构市场退出的法律制度仍存在诸多不足,应加强这方面的制度建设,使金融机构市场退出实现规范化、法制化。本文分别论述了几种主要的金融机构市场退出方式,在对金融机构市场退出应把握的原则进行探讨的基础上,提出了完善我国金融机构市场退出的法律制度的若干建议,即建立开明的破产制度、存款保险制度以及建立金融资产处置市场。
In recent years, financial risks have accumulated to varying degrees due to various reasons, and there have also been cases of bankruptcy and withdrawal of financial institutions. However, there are still many inadequacies in the legal system for the withdrawal of the market for financial institutions in our country. Institutions in this regard should be strengthened so that the market of financial institutions Exit to achieve standardization and legalization. Based on the discussion of the principle of market exit of financial institutions, this paper discusses several major ways of market exit of financial institutions, and puts forward some suggestions on how to perfect the legal system of the market exit of financial institutions in our country, that is, establishing an open bankruptcy System, deposit insurance system and the establishment of financial assets disposal market.