金融法若干前沿问题探讨

Discussion on Several Frontier Issues of Financial Law

金融法是对金融活动、金融交易、金融发展创新进行规制和监管的法律,金融法的发展滞后于金融创新。我国的金融监管模式应向双峰监管方向发展,更应强调功能监管,遵循穿透式监管原则。证券法应完善信息披露制度,规制变相期货交易。处理民间借贷中民刑交叉的问题,应当在必要时实行民刑并行。地方政府在PPP中所签合同的性质为民商事合同,产生的纠纷宜按民商事案件审理。债转股是处理不良债权问题的可行路径,债转股及破产中的实质合并需要完善的法律配套。互联网金融应当成为金融法发展的新契机。

Financial law is the law regulating and supervising financial activities,financial transactions,and financial development innovation.However,the development of financial law lags behind the financial innovation.Chinese financial supervision system should be developed towards double-peak supervision and should pay more attention to functional supervision and follow the principle of penetrating supervision.Specifically,the securities law should improve the information disclosure system and regulate the disguised futures transactions.When dealing with the issues with both civil and criminal problems in private lending,both of them can be solved simultaneously when necessary.The contracts signed by local governments in PPP project shall be civil and commercial contracts and disputes arising from them shall be heard in civil and commercial cases.The debt-to-equity swap is a feasible path to dispose the nonperforming assets.Both the debt-to-equity swap and the substantive consolidation in bankruptcy require perfect legal support.And the internet finance should become a new opportunity for the development of financial law.