The Commercial Bank Market Exit Regulation Legal System Research

A perfect market of commercial bank commercial bank market access, commercial banking operations, the commercial bank market withdrawal. As a" quasi public organization", the market withdrawal of commercial bank involves extensive deposits from the public interests and the interests of creditors, a direct impact on a country’s financial system stability and the development of the national economy. It is because of the important position of commercial banks, commercial banks in all countries to do everything possible to undertake all-around superintend. However the market economy has the" survival of the fittest, survival of the fittest" feature, and commercial banks are special, although many countries in the world on the market withdrawal of commercial bank with rigorous attitude, but the commercial bank market withdrawal occurred still can hardly be avoided. The2008financial crisis, showing the internal management of commercial banks, the crisis relief, delisting support system deficiencies, especially exposed the regulatory bodies of the banking crisis facing the market exit supervision and measures in each stage of the defect. China’s commercial banks supervision focus has been placed on the market access and business operations, while the commercial bank market withdrawal supervision will be ignored. In the late nineteen nineties, decisive make a number of difficult to save the state commercial banks out of the financial markets. Because our country commercial bank market withdrawal supervision legal system using only a short period of time more than10years, some related systems, measures are not perfect. Therefore, in the specific application process, appeared to cannot can depend on, operation strong randomness, resource redistribution in a series of problems such as low efficiency. With China’s accession to the WTO, our country economy has accelerated the pace of globalization, the financial industry will face challenges and pressure into the hitherto unknown degree. In today’s fierce competition in the market, the market withdrawal of commercial bank supervision legal system of the various procedures and measures will be more widespread and frequent use of.This paper from the commercial bank market withdrawal legal system and the related concept of analysis and the connotation proceed, followed by introduction of various international organizations on the market withdrawal of commercial bank supervision legal system guidelines, and then from the Anglo-American law system and continental law system countries first close the barber and the actual operation, then to our country commercial bank market withdrawal supervision legal system status quo and defects are analyzed, finally to improve our country commercial bank market withdrawal supervision legal system put forward specific, feasible suggestions. Recommendations included perfect our legislation, clear commercial bank market withdrawal way, implementation of standards and implementation procedure, defining the regulatory body in commercial bank market withdrawal supervision boundary, the commercial banks to reduce the exit cost, improve the legal means and market measures of efficiency and effect, protect depositors’interests, perfect commercial banks withdrawal support system, which can develop the market withdrawal of commercial bank supervision legal system in the market to maximize performance...