早期纠正协调合作机制的国际准则及对我国的启示

The International Standards Relating to the Coordination and Cooperation Mechanism of Early Correction and Message to Come out of the Study for China

强化风险早期识别和及时纠正,已成为当今主要国家存款保险制度发展的主流趋势,存款保险早期纠正职能的发挥有赖于金融安全网其他成员的协调配合。国际存款保险协会先后发布《金融安全网成员关系指引》等国际准则,明确存款保险机构应与监管部门开展积极合作,建立完善的信息共享和协调机制。本文在介绍相关国际准则的基础上,结合我国早期纠正工作实践,对我国尽快建立并完善早期纠正协调合作机制,增强金融安全网有效性提出政策建议。

Strengthening early risk identification and timely intervention has been mainstream trend of deposit insurance system in major countries.The early correction function of deposit insurance system depends on the coordination and cooperation of Financial safety net participants.International Association of Deposit Insurers(IADI)published several international standards,like<General Guidance to Promote Effective Interrelationships among Financial Safety Net Participants>,which emphasized deposit insurance institution should cooperate with regulatory authorities actively and build up an effective information sharing mechanism ostandards firstly,then combined with China’s practice in this field,put forward suggestions for China that an effective and well-designed coordination and cooperation of early correction among Financial safety net participants should be necessary,which is instrumental in enhancing the effectiveness of the financial safety net of China.