Research On The Crisis Bank Market Withdrawal System

Right finance supervision system is composed of market admittance supervision, operation supervision and market withdrawal supervision. Banking market withdrawal supervision is the necessity of finance system nowadays. Happening on crisis of banks to close down, if the authorities do not take effective measures in time, not only harm to depositor and creditor, but also may affect security and stability of the whole finance system for domino effect. With the finance supervision releasing and market opening, more and more foreign capital institutions entering China, the domestic banking will face a harder competition. So, it makes practical sense to research on the banking market withdrawal rules now.At the base of theory and cases analysis, expatiate the necessity and discuss the situation of establishing banking market withdrawal rules firstly, and then point out its problems-there are defects in treatment mechanism, treatment approaches and treatment rules and lack of accessorial mechanism. Analyzing contrastively the background of the market withdrawal rules, relative laws, supervision institutions, and bankruptcy procedure in developed countries problem banks, put forward the measures to innovate our banking market withdrawal rules. First, consummate our banking first aid system, namely at the base of realizing the characters of banks' problems, make salvation measures to consummate the system of big banking institutions salvation, liability reform and institution reform and establish banking risk compensation and diversification system. Second, establish and enhance the banking market withdrawal laws, namely consummate the law of banking market withdrawal, hold right time of bank withdrawal, set up special supervision institution about banking market withdrawal. Third, establish and enhance the relative accessorial mechanism, namely crisis alert system, deposit insurance system, last loan person system and creditor's right back insurance system. Last, point out some problems to research further: take a research to combine banking market admittance and banking market withdrawal, analyze the withdrawal approaches from different banks, and establish some mechanisms and models matching with banks withdrawal.