商业银行退出机制与存款人利益保障法论-经济法学专业论文.docxVIP

我国应由政府负责建立和实施，只有实行完善的推进政策才能尽快建立这一维 我国应由政府负责建立和实施，只有实行完善的推进政策才能尽快建立这一维 系存款人利益和整个金融体系稳定的重要制度。但存款保险制度在我国目前仍 处于理论论证阶段，如何有效防止道德风险、逆向选择也众说纷纭。这也说明 这一制度创新并非轻而易举，它从初创到成熟都处于不断发展、不断完善的过 程。除了建立存款保险制度外，还须规范商业银行的市场退出行为，减少商业 银行市场退出是保护存款人利益的关键。 关键词：商业银行；市场退出；存款保险制度；存款人利益保护 AbstractUnder Abstract Under the market economic conditions．the indeterminacy based on economic financial movement；functions of the natural law -”Superior win and the inferior wash out”；the inner requirement of the management and development of commercial bank；the proceeding of financial system reform and China’S entry into WTO．The financial market soon comprehensively lets loose，market competition between commercial banks day by day also becomes intense．If the economy had problems，its final and the highest reflection inevitably is the problem of finance that is”the modem economic core“，but extreme and the thorough reflection of financial problem is the financial chaos that finally causes closure and bankruptcy of various financial organs．The financial industry particularity has decided in the financial domain noble character danger and creditor‘S wideness．Therefore，when processing a questioned commercial bank，the first important matter is to guarantee the national economic stability．So we must found in China the deposit insurance system， protecting all the middle as well as the small depositors’benefit． The withdraw of cornmercial banks from the market refers to the closure of commercial banks according to the certain procedure business，the cleaning up creditor’S rights debt，the closure of organization，loss of the independent legal personality,namely commercial banks’civil right ability and civil capacity losing This article tries to compare，analyze the supervising and managing organization legal system of America，Japan，England，Germany’S commercial banks and SO on，．which withdrew from the financial monitoring organization．The core is that we should defend the public confidence and reduce the unstable factor in