【作者】 古菲娅·帕拉提；

【导师】 费玉娥；

【作者基本信息】 新疆财经大学 ， 金融学， 2010， 硕士

【摘要】 金融机构在经济社会中承担着诸多功能,金融机构是否稳健运行并能否提供良好的金融服务,关系到国民经济是否能够保持持续、稳定、快速、健康发展,关系到金融和社会能否保持稳定。而金融机构的特征又决定了金融具有负的外部性,其危害在于金融不稳定性因素可以从个别金融机构开始,迅速扩散到其他金融机构,破坏整个金融体系,进而损害整个经济运行。因此,关注问题金融机构对于维护我国金融稳定和社会、经济稳定有着十分重要的意义。纵观我国金融发展历程,有问题的金融机构并不少见。目前我国对大部分出现问题的金融机构都程度不同地进行了救助,这对于保护投资者和存款人利益、维护金融和社会稳定发挥了重要作用。但由于一直以来我国对问题金融机构的处置缺乏立法和制度的约束,在对问题金融机构救助的同时也暴露出一些问题,亟待研究和解决。在当前全球金融危机背景下,我国金融机构也将面临着系统性风险的隐患,对其经营亦带来更强大的考验,合理解决金融机构救助问题也就成了我国目前完善金融运行环境的重要任务。本文从论述金融机构救助的一般性分析入手,通过对我国金融机构救助状况的深入剖析与研究,分析了我国问题金融机构产生的原因、我国金融机构救助中采用的模式以及我国金融机构救助中存在的弊端。在研究和总结了包括发达国家美国和亚洲国家韩国在金融机构救助方面的成功经验的基础上,得出了对我国金融机构救助问题的启示。最后结合启示,针对性的对我国金融机构救助问题的合理解决给出了对策,诸如:完善金融机构救助的立法环境、明确救助主体的独立分工、建立金融机构风险预警机制、建立显性存款保险制度和构建合理的金融机构市场退出制度。更多还原

【Abstract】 The financial institutions play an important role in the economy and the soundness of the financial institutions has an important impact on sustainable development and stability. Financial sector instability is often related to the problem financial institutions. If not resolving the problems arising from those institutions, it might spread to the financial sector as a whole and even to other parts of the economy and society. Therefore, it has great significance to concern for financial institutions to maintain the stability of our social, economic and financial environment.Throughout the course of China’s financial development, problem financial institutions are not uncommon. Currently, most of the problem financial institutions have got varying degrees aid, which played an important role in the protection of the interests of investors and depositors, safeguard the financial and social stability. However, China has been on the disposal of problem financial institutions lack the legislative and institutional constraints, at the same time of the aid to the problem financial institutions, there also revealed some problems and negative effects, which should be studied and solved.In the context of the global financial crisis, China’s financial institutions will face the systemic risks of hidden dangerous, its management also has brought a more powerful test. Reasonable solution to the problems of assist financial institutions to has become an important task of improving financial operating environment.This paper started from the general analysis of assistance to financial institutions. Through the deeply analysis to the situation of china’s assistance to financial institutions, include analysis the reasons, the used assistance modes and the illnesses of the assistance to financial institutions. Then combined with international experience I gained some enlightenment to china’s assistance to financial institutions. At last, the paper gave some reasonable measures to rescue china’s assistance to financial institutions.更多还原