论我国金融机构市场退出法律机制的建构

The Construction of Legal Mechanisms for China Financial Institutions' Market Retreat

在建构金融机构市场退出法律机制时,必须处理好政府与市场、效率与安全、重整与清算这三对法律关系。通过对美国应对金融危机所采取的一系列举措进行梳理,可以从中找出了在建构我国金融机构市场退出法律机制时值得借鉴的部分。具体来说,就是要在危机发生前建立系统的金融风险预警法律机制,在危机进行过程中设置完善的法律救助机制以及完善的宏观审慎的金融监管机制。

In constructing legal mechanisms for market retreat of financial institutions,three legal relationships must be dealt with well:government and market,efficiency and security,and readjustment and liquidation.This paper makes a study of a series of American countermeasures to financial crisis,and sorts out some valuable lessons China financial institutions can learn in the construction of legal mechanisms for market retreat.Specifically speaking,the measures include:establishing systematic legal mechanisms for the financial crisis precaution before crisis,constructing a perfect legal assistance mechanism and macro-prudential financial supervisory mechanism.