论我国保险公司破产前置程序的实践、困境及解决之道  

On the Practice,Problems and Solutions of Insurer Insolvency Prepositional Procedure

作　　者：盛建明[1] 贾晶[1] 

机构地区：[1]对外经济贸易大学法学院,北京100029

出　　处：《法学杂志》2015年第12期52-59,共8页Law Science Magazine

基　　金：国家社科基金项目"国际评级巨头霸权滥用及我国的法律应对措施"(项目批准号:13BFX147)的阶段性研究成果

摘　　要：保险公司破产前置程序主要表现为通过有力的行政干预对问题保险公司进行风险处置,避免破产司法程序的启动,以降低保险公司破产事件对整个金融秩序和经济社会的高度负外部性。我国现有立法原则规定了保险公司破产前置程序的相关问题,实践中也发生了一些启动前置程序进行风险处置的案例,但显然还存在行政权力一支独大、保险保障基金使用不规范、前置程序难以向司法程序顺利过渡等诸多问题。借鉴美国、日本保险业以及我国其他金融行业的有益经验,我国应通过增加程序性要求、合理限制保险保障基金的用途以及细化前置程序与司法程序的衔接要求等方式不断完善提高保险公司破产前置程序的立法和执法实践。The main performance of the insurer insolvency prepositional procedureis to deal withcrises of insurance companies, avoid insolvency judicial procedure, and to reduce the highly negative externalities of insurance company insolvency. Our existing legislation has set forth some points of insurer insolvency prepositional procedure, andreal cases of crisis disposal through insolvency prepositional procedure have occurred. Nevertheless, there still existing some problems including the exaggerateddomination of administrative power, unsensible use of insurance protection funds, and rocky transition from prepositional procedure to judicial procedure, etc. On basis of learning from beneficial experience of the US, Japan, and other financial sectors in our country, the author suggests amplify the related procedural requirements, make reasonable limits on the use of insurance protection funds, and streamline the transition from prepositional procedureto judicial procedure for the sake of a better legislation and law enforcement of insurer insolvency prepositional procedure.

关 键 词：保险公司 破产 破产前置程序 

分 类 号：D922.284[政治法律—经济法学] D922.291.92[政治法律—法学]