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市场退出的制度缺陷近年来,我国问题银行业金融机构的市场退出逐步走向规范化,在一定程度上做到了有法可依。但从总体上来说,我国的银行业金融机构市场退出立法还是十分滞后。市场退出法律制度存在缺陷。目前,我国对金融机构市场退出缺乏统一、详细、可操作性强的法律规定,法律条文过于简单、粗糙和分散,相互抵触和法律真空的情形并存。缺乏专门的存款保险制度。我国的存款保险法律制度至今仍未出台,存款保险的职责实际上是政府承担的。商业银
Institutional Defects of Market Exit In recent years, the market exit of the problem banking financial institutions in our country has gradually become standardized, and to a certain extent, a law can be followed. However, on the whole, the market for banking financial institutions in our country withdrew from the legislation is still very lagging behind. Market exit the legal system flawed. At present, our country lacks a unified, detailed and operable legal provision for the withdrawal of the market of financial institutions. The legal provisions are too simple, coarse and scattered, and the conditions of mutual contradictions and legal vacuum coexist. Lack of specialized deposit insurance system. China’s deposit insurance legal system has still not been introduced, the responsibility of deposit insurance is actually the government commitment. Commercial silver