即使最有效的金融监管体制,也无法避免商业银行陷入存款支付危机或面临破产的危险。目前,我国商业银行危险处理措施单一且不完善,需要借鉴国外的先进经验,以期建立以商业银行接管、最后贷款人手段和银行存款保险制度为基本内容的多层次的商业银行危险处理新举措体系。 Even the most effective financial regulatory regime can not prevent commercial banks from falling into the risk of deposit crisis or bankruptcy. At present, the commercial banks in our country have a single and imperfect risk management measure and need to learn advanced experience from other countries in order to establish a new multi-level risk handling system for commercial banks based on the takeover of commercial banks, the lender of last resort and the bank deposit insurance system .