问题银行的处置方式研究——以包商银行为例
Study on the Disposal Methods of Troubled Banks—Taking Baoshang Bank as an Example

近年来，我国中小商业银行的规模和市场份额均得到了提升，但由于存在缺乏资金补充、公司治理失灵等方面的问题，银行的信用风险日益增大。包商银行是第一家以行政接管形式处置、从市场中退出的商业银行，研究包商银行处置方式对于健全和完善我国的问题金融机构处置机制、深化金融改革都具有积极的意义。本文从信用风险、流动性风险、操作风险三个层面，对包商银行信用危机的原因和表现进行了分析。从行政接管、收购承接、破产清算三个层次对包商银行的处置进行了剖析，并对其总体处置效果进行了评价，就时机选择、行政参与等问题提出了一些改进意见。
In recent years, the scale and market share of small and medium-sized commercial banks have increased, but the problems of lack of capital replenishment and corporate governance have led to the expansion of credit risks of banks. Baoshang Bank is the first commercial bank to be disposed of in the form of administrative receivership and withdrawn from the market. Studying the disposal of Baoshang Bank is of positive significance to improve and perfect the disposal mechanism of problematic financial institutions in China and deepen financial reform. This paper analyzes the causes of Baoshang Bank’s credit crisis in terms of credit risk, liquidity risk, and operational risk, reviews and summarizes the disposal methods of Baoshang Bank in terms of administrative receivership, acquisition and undertaking, and bankruptcy and liquidation, evaluates the overall disposal effect, and makes suggestions for improvement in terms of timing and administrative participation.