90年代以来 ,日本金融机构的危机频频发生 ,由于传统的依靠民间金融机构协作救助破产金融机构的计划破灭 ,日本金融监管当局便将希望寄托在存款保险机构的出资及日本银行的贷款上 ,这实际是 90年代以前“护送船队”方式的延续 ,并没有从根本上解决银行业的问题。处理方式上的失 Since the 1990s, crises in Japanese financial institutions have taken place frequently. Due to the traditional plan to rely on private financial institutions to work together to rescue bankrupt financial institutions, Japan’s financial regulatory authorities pin their hopes on the contribution of deposit insurance institutions and loans from the Bank of Japan. In fact, the continuation of the “convoy escort fleet” approach before the 1990s did not fundamentally solve the problem of the banking sector. Disposal on the loss