金融学院知识库

    作为一种在金融市场上发展比较成熟的行业，我国中小银行的发展可以追溯至20世纪初，交通银行的成立，开启了我国中小商业银行的发展历程，随后，民生、中信等中小银行相继成立，我国中小银行市场开始逐步发展。到21世纪初，我国出台大量有关中小银行的政策以后，其发展势头迅猛，基本占据了整个银行业的半壁江山，截至2020年年底，中小银行的资产总额达287万亿元。虽然中小银行在我国金融行业中的地位举足轻重，然而，国内关于中小银行风险防范问题的研究较少，基本上都是从理论入手，结合实际案例进行风险防范问题的研究就更少了。直到近年来银行雷暴案件频发，尤其是2020年包商银行破产案，预示着对中小商业银行进行风险防范的研究已刻不容缓。

    本文选取包商银行破产这一案例进行研究，是因为它是继海南发展银行破产以后，监管部门再次出手整治的问题银行，具有典型的现实意义。包商银行被接管一案虽然反映了它自身的问题，但对于其他中小银行而言，亦具有可借鉴之处。本文通过案例分析与理论分析相结合的研究方式，同时借鉴国内外的一些相关文献，首先梳理了国内外学者关于中小银行相关的基本理论，并结合我国中小银行的发展现状，在此基础上研究包商银行破产这一案例，对于我国中小银行解决风险防范上存在的问题并进行原因分析将是一个新的进展；本文在此基础上，得出最终的结论并给出相应的对策建议。

    As a relatively mature industry in the financial market, the development of China's small and medium-sized banks can be traced back to the beginning of the 20th century. The establishment of the Bank of Communications started the development process of China's small and medium-sized commercial banks. Subsequently, minsheng, citic and other small and medium-sized banks have been established, China's small and medium-sized banking market began to develop gradually. By the beginning of the 21st century, China issued a large number of policies on small and medium-sized banks, the momentum of its rapid development, accounting for half of the entire banking industry, by the end of 2020, the total assets of small and medium-sized banks amounted to 287 trillion yuan. Although small and medium-sized banks play an important role in China's financial industry, there are few studies on risk prevention of small and medium-sized banks in China, combined with the actual case of risk prevention research is even less. Until in recent years, the frequent occurrence of bank thunderstorm cases, especially in 2019 when the contractor bank was taken over, indicates that it is urgent to study the risk prevention of small and medium-sized commercial banks.

    In this paper, the case of taking over the contractor bank is selected to study, because it is a problem bank that the supervision department once again takes over after the bankruptcy of Hainan Development Bank, which has typical practical significance. Although the case of the contractor bank being taken over reflects its own problems, it can also be used for reference by other small and medium-sized banks. In this paper, the case analysis and theoretical analysis of the combination of research methods, at the same time, drawing on some relevant literature at home and abroad, first of all, combing the domestic and foreign scholars on small and medium-sized banks related to the basic theory, and combined with the development of China's small and medium-sized banks, on this basis to study the case of taking over of the contractor's bank, for China's small and medium-sized banks to solve the problem of risk prevention and cause analysis will be a new progress; On this basis, this paper draws the final conclusion and gives the corresponding countermeasures and suggestions.