There Is The Risk Of Small And Medium-sized Financial Institutions Dispose Of Its System

It is an important and difficult task for the current financial supervisors in our country to dissolve the risks of imperfect small and medium financial institution, prevent the individual and partial financial risks from developing into systematical and regional financial crisis. The purpose of researching the dispensation of small and medium financial institution and its rules. Is to dissolve and dispose efficiently and scientifically the financial risks and promote the finance to develop healthfully and supply the important direction for the safety and steady of the finance system in the new national situation.This article begins with the related principles , measures ,and regulations which are connected with the dissolve and disposal of the imperfect small and medium financial institution , and studies how to make the risk regulations of it healthful and perfect . In the light of the financial risk disposal experiences of the developed risk this article analyzes deeply the drawbacks and obstacles related regulations and the challenges to our financial supervisor which come from the risk of imperfect small and medium financial institution , and then put forward some suggestions on these problems systematically.The author believes in order to dissolve the risks of imperfect small and medium financial institution , at first we should make a right judgement on it , hold six principles ( including disposal, salvage , combination ... ) , take some measures such as ego salvage , government-salvage , reconstruction , acquire or annexation , administrative close and rescission . At present , there are some system obstacles of the disposal to the imperfect small and medium financial institution , mainly in annexation , bankruptcy , internal control , credit .So we should adjust equity and internal control regulations , strict credit regulations , build up the regulations to the disposal of assets , institution salvages , and then to dissolve the risks reasonably , defend finance safety , promote the financial efficiency , finally to improve the competitive ability of finance in our country .