我国金融稳定制度的立法模式与体系化建构

金融稳定制度的立法模式可以分为统一立法模式和分散立法模式。在我国现行的分业框架下,选择统一立法模式是解决我国分业立法与混业实践之间制度性错配问题的关键举措。在统一立法模式下,金融稳定制度的体系化建构涵盖两个方面:一是金融稳定法文本内制度的体系化建构,其逻辑构造存在两种方案,分别是基于金融风险产生与消灭的形式逻辑构造和基于金融风险预警、评估、处置的实质逻辑构造;二是金融稳定法文本内规则与文本外关联金融单行法规则之间的协同,其在立法技术上应当沿着两条路线同时进行,即对既有关联金融单行法进行联动性修改和补充制定缺漏的配套性、执行性规则。

and complex subject of analysis.In addition,the systemic characteristics of financial market,making it a challenging task to systematically legislate financial stability.By summarizing the experiences of developed countries in legislating financial stability,the legislative models of financial stability system can be divided into unified model and decentralized model.Under the current segmented framework in China,adopting a unified model is a key measure to address the“institutional mismatch”between segmented legislation and mixed business practices.Under the unified model,the systematic construction of the financial stability system includes two aspects:on the one hand,the systematic construction of institutions within the financial stability law text,with the logical structure existing in two forms:either based on the formal logical structure of financial risk generation and elimination;or based on the substantive logical structure of financial risk warning,assessment,and disposal.On the other hand,the coordination of rules within the financial stability law text and rules of related financial single business laws beyond the text.In terms of legislative techniques,it should proceed along two paths:making coordinated amendments to existing related financial single business laws and supplementary provisions of complementary rules and executive rules.