The Research Of Small And Medium-sized Banks In Risk Disposal Mechanism

Over the past two decades, small and medium-sized banks have been developing rapidly with Geo,low-cost, customer resources and other advantages, they have played a significant role in the sound banking system, the introduction of competition mechanism, improving financial services and supporting economic development, and have become an important and can not be ignored force in our national economy and financial system. while small and medium-sized banks have been in the sustained and rapid development, limited to their own business, forced by the pressure of the operating environment continuing increasing, the risk of intra-industry has gradually accumulated, and some small and medium-sized banks continue to outbreak financial risks, it makes that building and improving risk disposal mechanism of small and medium-sized banks quickly cause concern and research of the banking supervision department and the depositors and investors. and it also has related to the healthy development of financial markets in direct.The content of this thesis includes the following seven parts:The first part outlines research background. research significance and research summary on related problems of this paper;The second part defines the concept of small and medium-sized banks and risk disposal mechanism.then describes the relevant theory;based on the current situation that the small and medium-sized banks has been developing rapidly in China,the third part analyzes the performance and the causes of potential risks in China’s small and medium-sized banks;the fourth part studys on the basis of history and the case of combing of risk disposal practice in China, then explores the problems in our risk disposal practice;the fifth part explores how to build risk disposal accountability mechanism of small and medium-sized banks.on the basis of elaborating building foundation of accountability mechanisms,this part researches the main responsibility for risk disposal and issues of risk disposal coordination and cooperation;The sixth part explores how to build risk disposal operating mechanism of small and medium-sized banks,on the basis of elaborating construction principle of operating mechanisms, this thesis establishes the disposal methods operating mechanism and their applicability for the risks of small and medium-sized banks;The seventh part researches the operational security of risk disposal mechanism in small and medium-sized banks, including sounding the legal system of risk disposal in small and medium-sized banks and the establishment of a deposit insurance system.