问题金融机构国家救助法律边界界定  

The Defining of Boundary of National Relief in Troubled Financial Institution

作　　者：巫文勇[1] 

机构地区：[1]江西财经大学法学院,江西南昌330032

出　　处：《法学论坛》2015年第1期106-117,共12页Legal Forum

基　　金：作者主持的2013年度国家社会科学基金项目<国家干预视角下的金融机构破产法修正研究>(13BFX114)阶段性成果

摘　　要：问题金融机构国家救助法律边界的界定是设定问题金融机构启动国家救助及不同救助方式选择的基本条件,主要包括财务风险条件和系统重要性条件。负有求助责任的机构通过事项确定的、清晰的标准,对金融机构资本充足率、资产质量、盈利能力、流动性及市场风险敏感度等进行评估,并综合考虑金融机构的活跃程度、规模、关联性、可替代性和复杂性等指标,以确立其面临的风险状况及危机程度,据此而作出求助选择。国家救助边界界定应坚持成本最低、显性救助、择优选择和谨慎实施四项基本原则,在救助与破产之间寻求平衡,以保障金融体系的稳定和金融消费者权益。The defining of boundary of national relief in troubled financial institution is the basic conditions of the start of national relief and other assistance for the troubled financial institution. The institution that bear relief responsibility assess the capital ade- quacy ratio, asset quality, profitability, flowability and market sensitivity of financial in stitution through confirm and clear stan- dars, and overall consideration the index of active degree, alternative and complexity of financial institution, in order to ensure its risk situation and crisi degree and thus decide a relief choice. The defining of the national relief should focus on low cost, domi- nant relief, preferred choice and cautious implementation. Balance the relief and bankruptcy in order to maintain the stablity of fi- nancial system and the interest of customers.

关 键 词：国家救助 边界界定 风险评估 系统重要性金融机构 

分 类 号：D922.28[政治法律—经济法学]