银行业的发展需要破产程序,但银行的特殊性要求适用专门的破产程序。从美国的经验来看,在银行的破产程序中,存款保险机构发挥着至关重要的作用,这种安排可以减少交易成本,提高经济效率。为了在中国建立有效的银行退出机制,需要在破产处置主体、存款保险和处置方式等方面进行制度改革。 The development of the banking industry requires bankruptcy proceedings, but the particularity of banks requires the application of specialized bankruptcy proceedings. From the experience of the United States, deposit insurance agencies play a crucial role in bankruptcy proceedings. Such arrangements can reduce transaction costs and increase economic efficiency. In order to establish an effective bank exit mechanism in China, it is necessary to reform the system in the areas of bankruptcy disposal, deposit insurance and disposal methods.