首页|金融稳定保障基金制度建设的国际经验与启示

金融稳定保障基金制度建设的国际经验与启示

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《中华人民共和国金融稳定法(草案)》提出设立金融稳定保障基金,标志着我国系统性金融风险处置向市场化、法制化迈出重要一步.美国、欧盟通过设立金融稳定保障基金,对处置问题金融机构,应对重大金融风险发挥了重要作用,其运行机制对我国未来设立金融稳定保障基金具有借鉴意义.从金融稳定保障基金设立来看,我国金融机构风险处置仍然存在法律体系不够完善,风险处置流程不够清晰,基金退出机制缺失等问题,建议研究健全金融机构风险处置法律体系,明确金融机构风险处置触发条件和处置流程,清晰各部门权责划分,发挥好其他保障基金与金融稳定保障基金的互补作用.
The Experience and Inspiration of the Financial Stability Guarantee Fund System
《Financial Stability Law(draft)》proposes the establishment of the financial stability guarantee fund,marking an important step towards the market-oriented and legalization of the disposal of systemic financial risks in China.The establishment of financial stability guarantee fund by the United States and the European Union have played an important role in dealing with problematic financial institutions and dealing with major financial risks,and their operation mechanism is of reference significance for the establishment of financial stability guarantee fund in the future.From the point of financial stability guarantee fund set up,financial institutions risk disposal still exists legal system is not perfect,risk disposal process is not clear,the problem such as lack of fund exit mechanism,suggested to improve the financial institutions risk disposal legal system,clear financial institutions risk disposal trigger conditions and disposal process,clear department responsibilities,play a good other security fund and financial stability guarantee fund complementary role.

financial stability guarantee fundOLFSRFfinancial risk management

孙瑶、曹楠

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中国人民银行吉林省分行,吉林长春 130051

金融稳定保障基金 有序清算基金 单一处置基金 金融机构风险处置

2024

吉林金融研究
中国人民银行长春中心支行

吉林金融研究

CHSSCD
影响因子:0.418
ISSN:1009-3109
年,卷(期):2024.(4)