中国问题银行公共资金救助体系的法律构建——以金融危机中美国的救助行为为鉴

The Legal Construction of Public Funds Bailout System of China's Troubled Banks:Lessons from the Bailout Act in theFinancial Crisis in the US

金融危机的爆发引发了美国对问题银行的新一轮大规模公共资金救助。此轮救助不仅是对传统救助方式的再次使用,更是基于对金融危机爆发机理和监管缺陷的反思,通过金融监管改革法案,实现对传统救助方式的创新发展。中国应以美国为鉴,结合本国国情,通过立法逐步建立以存款保险公司、中国人民银行和财政部为救助主体,银监会、存款保险公司、中国人民银行、财政部四家机构之间分工明确又相互协调的问题银行公共资金救助体系。

The last financial crisis triggered a new round of large - scale public funds bailout of American problem banks. The bailout is not only re - using the traditional approach, but also developing it on the basis of reflecting of finan- cial crisis mechanism and regulation defect by financial regulation reform act. China should learn from the lessons from USA and gradually establish public funds bailout system of our own through legislation. In this system, the integrated savers may be the Deposit Insurance Company, People＇ s Bank of China and Ministry of Finance. The duties of China Banking Regula- tory Commission, Deposit Insurance company, People＇ s Bank of China and the Ministry of Finance should be clear and the four agencies should collaborate with each other.