Case Analysis Of The Operation Crisis Of The Baoshang Bank

In recent years,with the deepening of supply side structural reform of China's financial industry,the cyclical,institutional,structural and other inherent problems of financial industry have gradually emerged,and the banking operation has gradually shown a trend of differentiation as well.Under the strict financial supervision and prevention of financial systemic risks,the risks of some small and medium-sized banks have slowly been exposed in the process of rapid expansion,and problems such as poor asset quality and excessive dependence on interbank business have emerged.In February 2019,to optimize the financial institution system has been proposed in the meeting of the Political Bureau of the CPC Central Committee,and the meeting also emphasized that improving the exit mechanism of financial institutions is an important part of optimizing the financial institution system.The takeover of the Baoshang Bank is the first time that China's Banking Regulatory Commission has adopted the takeover as the method to deal with the problem bank since its establishment in 2003.At the same time,the deposit insurance system plays an important role in the market exit of commercial banks.By the end of 2018,more than 4000 commercial banks in China have insured with deposit insurance companies,which is conducive to not only protecting the actual interests of depositors,but also guiding the healthy and orderly development of the financial industry.This thesis focuses on the takeover of the Baoshang Bank,bases on the perspective of the exit path,expounds the specific causes of the outbreak of the operation crisis of the Baoshang Bank,and then analyzes the specific path of the market exit of the Baoshang Bank,which is successively the people's Bank of China taking over and trusting of the Construction Bank,and establishing deposit insurance fund company,then the HUISHANG BANK shareholding in the “new Baoshang Bank”,and finally the deposit insurance fund company buying a share of the commercial banks for the first time.On this basis,this thesis analyzes the market effects caused by the withdrawal of the Baoshang Bank,such as innovating the withdrawal mode of banks,promoting the credit stratification of financial markets,breakingthe rigid cashing of banking industry,and gradually showing the role of deposit insurance system,and then draws the enlightenment for the establishment of the withdrawal mechanism of banking industry in China,such as establishing the concept of limited government,giving play to the deposit insurance system,improving the regulatory information sharing mechanism of regulatory agencies,innovating the exit path of problem banks,and improving the cost-benefit analysis of problem banks.I hope that through the research of this thesis,we can improve the market exit mechanism of commercial banks as soon as possible in order to promote the process of financial marketization in China.