摘要
早期纠正是一种预防和减轻金融风险的有效方法,但是中国众多农信合机构应用早期纠正机制目前尚在探索中,尚需解决一系列问题。本文总结整理了部分国家对于问题投保机构早期纠正的经验和措施,为构建适用于我国的问题投保机构早期纠正机制提供借鉴意义。同时,以辖内A投保机构为例,分析了其风险状况、产生原因,详细阐述了对该投保机构进行早期纠正采取的措施,指出目前早期纠正机制并未达到有效防范化解农信合机构风险的预期目标,进而探讨了如何进一步完善农信合机构早期纠正机制。
the early correction mechanism is one of the effective methods to prevent and resolve financial risks,but how to apply the early correction mechanism to rural credit cooperatives in China is still in the exploration stage,there are some problems to be solved.In this paper,through combing the framework and experience of some developed countries on the early correction of problem insurance institutions,to provide a reference for the construction of China’s deposit insurance early correction mechanism for problem insurance institutions.At the same time,taking the a insurance institution as an example,this paper analyzes its risk situation and causes,expounds in detail the measures taken for the early correction of the insurance institution,points out that the current early correction mechanism fails to achieve the expected goal in preventing and resolving the risks of agricultural credit cooperative institutions,and further discusses the improvement of the early correction mechanism of agricultural credit cooperative institutions.
作者
樊巾
Fan Jin(The People's Bank of China BaiYin Central Sub-branch)
出处
《金融发展评论》
2020年第9期83-94,共12页
Financial Development Review
关键词
农信合机构
早期纠正
存款保险
Rural Credit Cooperatives
early correction
deposit insurance
作者简介
樊巾,本科学历,经济师,就职于中国人民银行白银市中心支行。Email:405754204@qq.com。
