我国存款保险基金管理机构早期纠正权问题探析

Exploration the Problem of Power of Early Correction by the Deposit Insurance Fund Management Institution

存款保险机构的早期纠正权应由法律、行政法规加以详细规定。《存款保险条例》中明确存款保险基金管理机构具有早期纠正的权力,但并未对权力的具体内容做出安排。该种监管权的原则性设计,既不能保证存款保险基金管理机构职责目标的实现,也难以协调"三大金融安全网"之间有效衔接。为了实现我国存款保险"双重功能"的制度目标,首先应以法律形式明确存款保险基金管理机构是与中国银监会具有同等属性的监管主体,然后结合我国现有监管规范体系中的早期干预制度,对存款保险基金管理机构的该项监管权能进行系统化的法律设计。

The power of early correction by deposit insurance institution should be prescribed in detail. The clear power of early correction for deposit insurance fund management institution has been practicable in the Deposit Insurance Regulation, but the power was a vague design in concrete content of the power. This principle design can not ensure realization of duties and objectives of the deposit insurance fund management institution, and not coordi- nate the effective join among ＂the three major financial safety net＂. So that realization the Dual Function of our de- posit insurance system, we should de clear that the deposit insurance fund management institution is the legal regula- tor as with CBRC by law in the first place, and after that proceed systematic legal design for the power of deposit insur- ance fund management institution combining our existing regulatory system.