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地方中小金融机构区域合并研究——基于美国经验借鉴

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当前,我国部分中小金融机构风险较高,且风险资本补充较难.本文通过总结中小金融机构并购化险的美国经验,研究利用合并重组方式使风险性银行摆脱风险甚至扭亏为盈.为现在或者将来中小商业银行区域内合并重组提供参考,也可以为基层央行银开展机构风险处置、早期纠正提供参考.
Research on Regional Consolidation of Local Small and Medium-sized Financial Institutions——Based on American Experience and Empirical Analysis in China
At present,the risk of some small and medium-sized financial institutions in our country is high,and it is difficult to supplement risk capital.By summarizing the American experience of merger and acquisition insurance of small and medium-sized financial institutions,this paper studies how to use merger and reorganization to make risky banks get rid of risks and even turn losses into profits.It can provide a reference for the current or future merger and reorganization of small and medium-sized commercial banks in the region,and also provide a reference for the grass-roots central bank to carry out institutional risk disposal and early correction.

small and medium-sized banksfinancial risksmerger and reorganization

刘佳鑫、陈松、贾斯淇

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中国人民银行白山市分行,吉林白山 134300

中小银行 金融风险 合并重组

2024

吉林金融研究
中国人民银行长春中心支行

吉林金融研究

CHSSCD
影响因子:0.418
ISSN:1009-3109
年,卷(期):2024.(7)
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