论我国不良金融资产处置的法律原则

Legal Principles for Disposing Non-performing Financial Assets In China

不良金融资产处置法律原则是不良金融资产处置法律的基础性真理、原理,其对不良金融资产处置的立法、司法、守法都具有重要意义。然而,我国现有立法和学理都尚未构建合理的不良金融资产处置法律原则。基于法律原则的内涵和生成路径,不良金融资产处置法律原则应建立在效率追求和权利保障两大法律目标之上,其具体包括"三公"、成本最小化、快速处置、防止国有金融资产流失四项原则。

Legal principles in the disposition of non-performing financial assets are considered as fundamental truth and theories of laws and regulations.They plays a significant role in the legislation,justice and performance according to law.However,current legislation and theory have not established reasonable legal principles in our country.Based on the analyses of meanings and sources of these legal principles,the author argues that legal principles should be established on the basis of two legal purposes which are pursuing the efficiency and protecting the rights.These legal principles cover four principles,that is,＂being open,fair and just＂,cost minimization,immediate disposition,preventing the devaluation of state-owned assets.