我国资产管理公司运行中的法律障碍及其消除

The Law Obstacle and Its Elimination of China′s Assets Manegement Corporation

为化解我国国有商业银行由于巨额不良资产所带来的金融风险，在借鉴国外经验的基础上，我国采取了“好银行/坏银行”的模式并成立了资产管理公司（AMC）以专门处置国有商业银行不良资产。由于AMC能否正常运作直接影响到我国面临的金融风险的化解、最大限度保全国有资产和减少损失的目标能否实现，对我国今后的经济运行具有重大的影响作用。但当前AMC在运行过程中存在诸多与现行法律和法规相冲突或无法律依据之处，如何解决这一问题已经显得非常迫切。本文首先对AMC在运行过程中面临的法律障碍进行了系统的梳理，然后提出制定和出台《金融资产管理公司法》是解决这一问题的有效途径。文章最后对《金融资产管理公司法》的框架和内容进行了分析。

Drawing on the experience of other countries, the pattern of “Good Bank/Bad Bank” has been applied and AMC has been set up in China to remove the financial risk caused by bad assets of state－possessed commercial bank. AMC will significantly influence China′s economy because it eliminates China′s financial risk, protects state－possessed assets and reduces losses. There are many points conflicting with current law or being short of basis, so how to solve the question becomes very imperative. This paper combs systematicly the obstacles in the course of moving of AMC, then suggests that drawing AMC Law is a valid way and analyzes its frame and content.