Problems And Countermeasures Of Our Country Commercial Bank Market Withdrawal Mechanism Research

Financial institutions have been playing an important role in the process of economic development. As an important part of financial institutions, the commercial bank’s operation is directly related to the resources allocation efficiency of the financial system and the development of social economy. At present, China’s commercial banks are in a period of rapid development, in addition to the state‐owned commercial banks, with the shareholding system reform of some city commercial banks, appearing many small Banks or financial institutions, such as rural commercial banks. Competition among commercial banks is becoming increasingly fierce, will inevitably lead to some crisis institutions to exit the market. China has not yet establish an effective exit mechanism of commercial banks, which not only increases the difficulty of resolving non‐performing assets of banks and other potential risks and harms the interests of depositors and creditors, also affects the sound operation of the entire banking system. So the analysis on problems and countermeasures of China’s commercial banking market exit mechanism is of great significance for the steady development of our country banking industry and the whole financial system.The analysis of commercial bank market exit refers only to mandatory commercial bank market exit but does not include autonomous decision‐making and management process exit. The article uses comparative analysis, trying to market mechanism exit of commercial banks as a complete system and integrated into our financial system. Since the30s of last century, economic crisis in the United States began, many countries have experienced varying degrees of financial crisis, and there have been the case that a number of commercial banks go out of the market. The United States had most cases. During the period of great economic crisis in1931‐1933, approximate9000US banks failure. During15years from1980to1994, there were2,912federally insured depository institutions collapsed. While commercial banks exit influenced the market economy, but the practice through a large disposal problem banks, US banking authorities have accumulated rich experience and formed a relatively complete market exit mechanism for commercial banks and more advanced banking crisis disposal concept. What is more, compared with the US, the exit mechanism of commercial banks in Japan can be seen as government intervention. Banking regulators have a high concentration of the right to maintain the stability of the financial regulatory system, strictly prevent competition in the industry.In terms of the lack of domestic‐related research, this paper uses theoretical research combined with case studies, in the study of theory and practice of the United States and Japan, Discuss the necessity of establishing commercial bank market exit mechanism and describe the current situation of China’s commercial banks about withdrawing from the market. Thereby talk about mechanism specific measures for China’s commercial banking market. First, the establishment of commercial bank market exit mechanism related laws and regulations, make precious regulation on the responsibilities and rights of the parties interests in commercial bank withdrawal process, avoiding conflicts that occur during execution. Second, optimize the market environment and provide an objective basis for efficient commercial bank market exit mechanism. Third, improve bank risk early warning mechanism to achieve risk mitigation in advance, improve the efficiency of the banking market exit and reduce the effect of exit costs. Fourth, accelerate the improvement of the deposit insurance system in line with the rights and interests of our country, specifically including the establishment of a deposit insurance agency, capital raising, the way insurance, insurance limit, determine premium rates and the way to the bank insurance claims and so on.