银行业的健康稳定对国民经济发展之重要性不言而喻,但有时问题银行的市场退出对于金融生态的循环而言也是不可或缺的。作为中小银行退出机制构建的起点,前置银行危机预警机制可以从风险源头发掘导致银行退出的不稳定因素。若及时采取了纠偏措施,就能在一定程度上降低银行失败的发生概率,甚至扭转局面使其转为健康银行。即使真的出现银行倒闭,也可以为退出处理赢得充足时间和心理准备,使金融监管当局在处理过程中更加积极主动、游刃有余。本文在研究国内外相关理论和学者研究的基础上,筛选出相对合理的风险指标并设定了预警界限,进而构建出我国中小银行市场退出预警机制的基础框架。 The importance of banking’s health and stability to the development of the national economy is self-evident, but sometimes the market exit of troubled banks is also indispensable to the financial cycle. As a starting point for the establishment of the exit mechanism for small and medium-sized banks, the precautionary mechanism for precautionary banking crisis can identify the destabilizing factors that cause banks to withdraw from the sources of risk. If corrective measures are taken promptly, the probability of bank failure will be reduced to a certain extent, and even the situation will be reversed to make it a healthy bank. Even if bank failures really occur, they can win sufficient time and mental preparation for exit to make the financial regulatory authorities more proactive and manageable. Based on the researches of relevant theories and scholars at home and abroad, this paper screened out the relatively reasonable risk indicators and set the precautionary boundaries, and then constructed the basic framework of early warning mechanism for the market withdrawal of small and medium-sized banks in our country.