银行处置制度安排的国际模式及经验研究  

Research on the International Experiences of the Institutional Arrangements for Bank Resolution

作　　者：刘镇[1] 吕茉[1] LIU Zhen;LV Mo

机构地区：[1]中国人民银行长春中心支行,吉林长春130000

出　　处：《吉林金融研究》2021年第6期11-14,共4页Journal of Jilin Financial Research

摘　　要：2008年金融危机经验表明,建立健全的银行处置机制对于有效应对危机、维护金融稳定至关重要。为此,金融稳定委员会(FSB)发布了《金融机构有效处置机制的核心属性》(以下简称“《核心属性》”),为银行处置机制提供了整体框架,对银行处置当局的设置提出了国际标准。目前,国际上许多经济体根据《核心属性》和已有处置经验,对银行处置当局进行了不同模式的制度安排,常见的是由央行、审慎监管机构或存款保险公司承担全部或部分处置职能,并在银行处置的独立性、决策机制和协调合作等方面进行实践并积累了经验。The experience of the 2008 fi nancial crisis shows that the establishment of a sound bank resolution mechanism is essential to effectively respond to the crisis and maintain financial stability.To this end,the Financial Stability Board(FSB)has issued the"Key Attributes of Effective Resolution Regimes for Financial Institutions(Key Attributes),"(hereinafter referred to as"Key Attributes"),which provides an overall framework for bank resolution mechanisms and proposes an international standard approach to the establishment of bank resolution authorities.Many jurisdictions have implemented different models of institutional arrangements for bank resolution authorities based on the"Key Attributes"and existing resolution experience till now.It is common for central banks,prudential regulatory authorities or deposit insurance companies to undertake all or part of the resolution functions.And also there are experiences in the independence of bank resolution,decision-making mechanisms,and coordination and cooperation.

关 键 词：银行处置 制度安排 处置当局 

分 类 号：F830[经济管理—金融学]