英格兰银行对破产金融机构的处置框架设计及对我国的启示

The Design of the Bank of England’s Disposal Framework for Bankrupt Financial Institutions and Its Enlightenment to China

当前,我国金融风险形势严峻,个别问题金融机构风险突出,存款保险制度风险处置机制还不完善,探索建立适合我国国情的问题金融机构处置框架显得特别急迫。本文主要梳理英格兰银行处置问题金融机构的目标和框架,总结风险处置的触发条件和风险处置措施,对健全完善我国商业银行破产风险处置机制进行分析研究,提出对问题银行进行高效有序处置的相关政策建议。

At present, China’s financial risk situation is severe, individual financial institutions have prominent risks, and the risk management mechanism of deposit insurance system is still not perfect. It is particularly urgent to explore the establishment of a financial institution’s disposal framework for China’s national conditions. This paper mainly sorts out the objectives and framework of the Bank of England’s disposal of financial institutions, summarizes the trigger conditions and risk disposal measures of risk disposal, analyzes and studies the soundness and perfection of the bankruptcy risk disposal mechanism of China’s commercial banks, and proposes policy suggestionn efficient and orderly disposal of problem banks.