摘要
"生前遗嘱"制度是次贷危机后国际社会为解决金融机构"大而不倒"问题而推出的一项崭新法律措施,是指金融机构以自身面临倒闭为前提事先提交"生前遗嘱",处置当局以此为基础制定并在必要时实施处置计划,以促使机构恢复日常经营能力,或者实现部分业务功能分拆或机构整体有序关闭的制度安排。这一制度的有效实施,需要强化金融机构内部治理机制,规范分拆或重组;建立管理信息系统,促进信息共享;构建危机处置损失分摊机制,实现稳健处置。
＂Living will＂ is a new legal measure accepted by the International society after the subprime mortgage crisis to deal with the ＂too big to fail＂ issue. It＇s an arrangement which, for the purpose of making financial institutions recover from a range of distresses, or if necessary winding down parts of financial functions or the entire institution, enable financial institutions that are faced with bankruptcy to draw up a ＂living will＂, and enable authorities to draw up a resolution plan based on the ＂living will＂. To facilitate its effective implementation, it＇s suggested to enhance internal surveillance and conduct spinoff and restructuring of financial institutions; set up management information system and strengthen information sharing; and draw up resolution loss apportionment mechanism to achieve resilient resolution.
出处
《证券市场导报》
CSSCI
北大核心
2012年第7期10-15,共6页
Securities Market Herald
基金
2009年度国家社会科学基金重点研究项目"危机后改革国际金融体系的法律路径"(项目批准号:09AFX004)
关键词
“生前遗嘱”
恢复与处置计划
大而不倒
＂living wills＂, recovery and resolution plan, too big to fail
