防范化解银行挤兑风险的对策研究

银行挤兑的客观原因在于银行经营中的不良资产损失,主观原因在于储户对银行信心的动摇。由于挤兑具有非线性扩张的特性,其对经济发展和稳定的危害是严重的。相对于整个银行体系来讲,防范和平息挤兑风险的关键和首要任务是避免银行危机。根据挤兑中各利益主体的行为特征,防范和化解挤兑风险的基本思路是:建立挤兑早期预警指标体系,及时化解挤兑风险,政府做出中小储户存款安全的承诺,充分发挥市场监督作用,央行加强风险监管及鼓励好银行兼并有问题银行等。平息挤兑的对策是:建立平息挤兑的紧急应对方案,做好平息挤兑的善后工作。但从长远来看,防范和化解挤兑风险的关键在于深化市场金融改革。

Study on preventing and extricating the risks of the runs on banks

The objective cause of the runs on banks lies in the bad asset loss,and the subjective cause exists in the depositors'uncertainty about banks.The runs on banks bring about serious damages to the economic development and steadiness because of their non linear expansion characteristics.Considering the whole bank system what's important is to avoid crises.According to the act characteristics of every reletated subject,the major thought of preventing and extricating the risks of the runs on banks is as the follows:to establish the early predicting warning system,to prevent and extricate the the risks of the runs on banks,to make promises for the deposit safety of the middle and small depositors,to make full use of the market supervision, to enhance the supervision of the risks and to encourage the immergence of the bad banks,ect.The countermeasures for reducing the risks of the runs on banks are:to make an urgent arrangements for reducing the risks of the runs on banks and enable the middle-and-small depositors'money safe.In a word,deepening the market financial reforms is critical in the prevention and extrication of the risks of the runs on banks.