The Question Bank Market Exit Mechanism

1,Background significance of selecting the topicJust like any enterprise could be bankrupt, the banking industry is not exceptional, in a sense, the bank management history is a history which a bank goes bankrupt. The massive problem banks existence, already has had the serious influence to the local economy normal operation, and along with the foreign capital bank in the Chinese service comprehensive development, the competition will certainly be intense, the problem bank quantity possibly can increase unceasingly in the certain time, even possibly can cause the banking systematic crisis. Therefore, the research to the problem bank market-withdrawal mechanism, avoiding the individual problem bank's crisis impacting on entire bank system is very important. With the advance of economy system, Chinese financial institutions have accumulated a great many financial risks. Many banks have been developed into problem bank. Thus, it's necessary to set up the market-withdrawal mechanism of problem bank in China.2,Research ObjectsIn this article problem bank mainly refers is the commercial bank, but the policy-type bank, because the policy-type bank does not take seeking money as the goal. The American federation supervising and managing authority organization utilize camel rating method, and according to grades, dividing bank into the A-E five ranks. And regards the C-E level commercial bank as the problem bank. This article according to the commercial bank management standards of the security, Profitability, the fluidity, divides the commercial bank into the healthy bank and the problem bank two.