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By Wang Gang & Yu Tao, Institute of Financial Research, DRC

Research Report, No.251, 2020 (Total 5995) 2020-10-26

Abstract: With the slowdown of economic growth and structural adjustment, the operating risks of some real economic entities have loomed up and passed on to financial institutions. In the meantime, the easy monetary policy for addressing the financial crisis and the sluggish supervision over financial sectors have led to the separation of some financial institutions’ business operations from real economy, forming a self-circulation mechanism, and consequently adding to risk accumulation. When monetary policy and supervision environment undergo certain changes, the risks of financial institutions become exposed. Thus, the disposal of financial institutions’ risks plays a key role in dealing with financial risks. During the 13th Five-Year-Plan period (2016-2020), China has achieved notable progress in properly managing high-risk institutions, whereas there still exist some critical issues to be solved such as fragmented top-level design due to the lack of legislative measures, ambiguous connotations of duties and responsibilities at the central and local levels and the shortage of effective identification mechanism. To tackle these issues, this paper proposes some policy options on stepping up the establishment and refinement of China’s high-risk institutions’ disposal and market exit mechanisms.

Keywords: financial institutions with high risks, risk accumulation, risks disposal mechanism