问题金融机构市场退出中的国家救助法律制度研究

当金融机构陷入流动或支付性危机时,对其实施国家救助已作为各国金融监管机构的首选方案。中国自20世纪90年代以来,也已动用数以万亿的公共资金救助银行和证券等金融机构。但是,由于相关立法的缺失,使得中国的国家救助:一是缺乏明确的标准,随意性强;二是救助工具单一,缺乏相配套的机制;三是缺乏被救助对象的后继管理,法律责任不明确。为了解决这些问题,规范国家救助行为,笔者认为,中国应尽快制定《问题金融机构国家救助法》和其他相配套的法律制度。

When the financial institution fell into crisis,implementation of national relief became the first choice of financial regulators around the world.Since the 90＇s,China has spent trillions of public funds to rescue banks,securities and other financial institutions.However,due to the lack of relevant legislation,China＇s national relief seems： firstly,lack of clear standards;secondly,simple rescue tools,and lack matching mechanism;thirdly,lack of follow-up management for rescued objects,and legal liability is unclear.In order to solve these problems and standardize national rescue act,the author believes that China should develop,＂National Assistance Act of problem financial institutions＂ and other supporting legal system as soon as possible.