Study On The Marketing Exit Mechanism In China's Commercial Bank

Finance actsas the blood of modern economy's operation,carrying the responsibility of social financing,investment,settlement and infiltrating into all aspects of economic life.It is crucial for promoting economic development and social progress.Because of the particularity of the commercial bank industry,the market competition in the survival of banks that would lead to serious negative effects,improving the market exit mechanism of commercial banks is the key to the healthy development of our economy.So far,the market exit of commercial banks in China is under vacuum in a sense,which not only makes the financial system incomplete in structure and but also makes the lack of competition and elimination mechanisms of market competition ill-matched,so establishing and improving the market exit mechanism of commercial banks has become a problem of China's banking industry.This paper is consist of five parts : The first part explains the background and significance of the research.The second part analyzes the basic commercial bank market exit mechanism,including administration in first place and market in second place;while market exit of commercial banks has laws to abide by,but it is lack of sound legal basis;the operating procedures?rescue measures and standard of bank market exit are not sufficiently clear;bank market exit lacks support system,and so on.The third section focuses on the basic practices of commercial bank market exit of United States,Germany,United Kingdom and Japan,then points out the reference to China.The fourth part is about the improvement of commercial bank market exit mechanism and proposed four measures.First of all,in the part of weaken administrative intervention and strengthen the market instruments,we need more channels to raise funds and guide our commercial bank actively initiative exit in mergers and acquisitions.Secondly,in the part of the improvement of legal framework of commercial bank exit the market,we should start with legal system construction to determine the "rules of the game" for the exit of bank.The exiting of financial institutions the market needs to adapt to China's national conditions and legislation.In addition,we also need to give full play to the important role of financial regulatory authorities and to establish a multi-channel and multi-faceted structure effective regulatory patterns.Finally,in the part of environmental innovation system,we should combine the exit mechanism for commercial bank with reform of market access system and create a more secure system environment.