The Study Of Disposal System Of Commercial Banks With Issue

Commercial bank as the core part of the financial system in the whole society, ensure the safe and stable operation of it is the key to ensure the normal operation of the whole social economy. With the outbreak of the economic crisis in 2008, the whole world has begun to consider the problem of the disposal system of commercial banks with issue. China also saw the disposal system of commercial banks with issue of our state having a huge loophole from the crisis. After several years of gestation, China’s "deposit insurance regulations" finally officially released from 2015 to implement, But only to solve the problem that if China’s disposal system of commercial banks with issue have or not. In this paper, through in-depth research on Hainan Development Bank’s disposal case, found two reasons inside and outside of how China’s commercial banks product problems. At the same time, through the study of the history of China’s operation about commercial banks with issues, summed up the current problems of China’s disposal system of commercial banks with issue, mainly includes four aspects: Stripped of non-performing assets and the overall IPO, Forced mergers and acquisitions under the guidance of the government, The government forced to withdraw or quit from the market, Introduction of strategic investors and so on. Although the current disposal system of our country played a relevant role in a certain period of time, but due to the presence of greater access to the disposal theory in many aspects and has been validated by the commercial banks, so in the post implementation did not receive the desired effect.In this paper, a large number of domestic and foreign literature and case studies about the disposal system of commercial banks with issue are carried out. Through the case study of Hainan Development Bank’s business failure, the internal and external causes of the problem of China’s commercial banks have been discovered. At the same time, this paper makes a deep comparison and Analysis on the problems of the disposal system of commercial banks between US, Japan and our state. Find out the four major problems of China’s disposal system of commercial banks with issue: Low efficiency and not sound risk early warning system, Lack of professional laws and regulations, Blind government intervention, The responsibility and function of deposit insurance institution is not perfect. In view of the problems about the theory and practice in disposal system of commercial banks with issue in China is absence, based on the theoretical and corresponding case analysis’ s research in this paper, the relevant standardized model has been established. Put forward to improve China’s disposal system of commercial banks with issue with the specific measures, including: Developing laws and regulations with strong pertinence and operability, Improving the supervision system of commercial banks, Establishing the standard disposal system of commercial banks with issue mode, Establishing the system of taking responsibility by all life for the commercial banks management, Improving the function of deposit insurance fund management institutions and so on.