从硅谷银行处置看我国问题银行风险监管存在的问题及对策

Problems and Countermeasures of China’s Problematic Bank Risk Supervision from the Disposal of Silicon Valley Bank

随着银行业风险不断发生,引发各国银行的信任危机,因此需要厘清各国设计的问题银行处置机制,通过考虑银行风险处置制度的建构与立法目标,以更好地实现制度价值。本文通过对2023年硅谷银行的爆雷事件的介绍,梳理了各国问题银行的处置机制,进而分析我国目前银行风险监管的现状和问题,存在规则冲突、碎片化等问题,结合目前的《金融稳定法(草案)》内容,以及问题银行处置机制的国际经验,提出具体的应对之策。

As banking risks continue to occur,triggering a crisis of confidence in banks in various countries,there is a need to clarify the problematic bank disposal mechanism designed by various countries,by considering the construction and legislative objectives of the bank risk disposal system,in order to better realise the value of the system.Through the introduction of the explosion of Silicon Valley Bank in 2023,this paper has sorted out the disposal mechanism of problem banks in various countries,and then analysed the current situation and problems of bank risk regulation in China,and put forward countermeasures by combining the contents of the current Financial Stability Law(Draft).