金融稳定视域下金融稳定保障基金与存款保险基金的衔接

The Convergence Mechanism of Financial Stability Fund and Deposit Insurance Fund:A Financial Stability Perspective

建立金融稳定保障基金和存款保险基金衔接机制,提升金融稳定维护能力,是当前立法所须直面的命题。目前,两种基金的衔接仍处于初步探索阶段,面临法益价值衡量缺位、权责边界规范欠缺、配套保障机制失灵的衔接困境。立法亟需确立系统性风险底线原则、市场优先原则的价值顺位,补足两种基金功能定位、衔接标准、使用顺序的法律规范,完善统筹协调机制决策、信息机制共享的配套保障。

Establishing a convergence mechanism between the financial stability fund and the deposit insurance fund meets the urgent need to maintain financial stability currently.Now the convergence of the two funds is still in its preliminary exploration stage,facing the challenges of the absence of valuation of legal interests,the lack of clear boundaries of rights and responsibilities,and the dysfunction of supporting mechanisms.The legislation urgently needs to establish the values of the systemic risk bottom line principle and the market priority principle,supplement the legal norms of the two funds'functional position,convergence standards,and application sequence,and improve the coordination of decision-making mechanisms and information-sharing mechanisms as supporting safeguards.