中国的存款保险机构与资产处置组织(下)

Deposit Insurance Institutions and Assets Disposing Organizations in China

存款保险制度是一国金融安全的重要保证,而资产处置组织则是健康高效的存款保险体系不可或缺的组成部分。从国际经验看,在存款保险机构内设立专门的资产处置组织,能够最大限度地回收债权,降低损失,提高问题银行资产处置的速度和效率。因此,我国在设计存款保险制度时,应优化整合已有资源,将四家金融资产管理公司重组合并后纳入存款保险体系,使之成为存款保险机构内设资产处置部门,专门负责问题银行市场退出的清理、清算工作。这样做,一可以利用相对成熟的资源优势,为我国存款保险制度的建立节省大量成本;二可以使问题银行的资产得到迅速处置,从而保持金融稳定,维护公众信心;三可以妥善解决好四大金融资产管理公司的未来出路问题。这一方案,将是一个多赢的选择。

A deposit insurance system is an important guarantee for the financial security of a country. Assets - dis- posing organizations are the indivisible components of a healthy, efficient deposit insurance system. Seen from the international experience, establishing specialized assets - disposing departments within the deposit insurance institutions can reclaim creditor＇s rights to the maximum extent, reduce losses, accelerate speed and efficiency in dealing with problem banks. Therefore, when designing deposit insurance system of China, it＇s compulsory to optimize and combine the existing resources, re - organizing four assets management companies and bring them into deposit insurance system, making them built - in specialized assets - disposing departments responsible for cleating and liquidating for the exit of problem banks. Thus, firstly, a comparatively mature resource advantage can be used, economizing a lot of costs for establishing the deposit insurance system. Secondly, the assets of problem banks can be dealt with rapidly, thereby maintaining the financial stability and public confidence, Thirdly, the future way out for these four assets management companies can be solved in a proper way. This scheme will be a choice with multiple winners.