基于包商银行破产案的我国最后贷款人制度的完善  

Analysis and Improvement of Lender of Last Resort in Chinafrom the Perspective of the Case of Baoshang Bank’s Bankruptcy

作　　者：刘璇 LIU Xuan(Law School of Peking University,Beijing100871,China)

机构地区：[1]北京大学法学院,北京100871

出　　处：《齐齐哈尔大学学报（哲学社会科学版）》2021年第11期97-100,共4页Journal of Qiqihar University(Philosophy & Social Science Edition)

摘　　要：在包商银行破产案件中,我国人民银行在该破产中再次发挥了最后贷款人职能,这一职能有效地保护了个人存款人的利益,防范了社会不稳定。但我国法律制度中对最后贷款人职能存在误读,定位不明确、缺少相应配套措施,仍然存在道德风险问题。我国仍需进一步明确最后贷款人在《中国人民银行法》中的法律地位,明确最后贷款人实施条件并明确最后贷款人在银行破产处置中的地位。February 2021,Baoshang Bank officially declared bankruptcy.Different from previous banks’resolution,China Banking and Insurance Regulatory Commission,the People's Bank of China,and the Deposit Insurance Fund had participated in resolving bank resolution of Baoshang Bank,and used market-driven methods,which is of progressive significance.The People's Bank of China also played its role as the lender of last resort,and avoided the loss of individual depositors.This article will start with the case of Baoshang Bank bankruptcy to explore the improvement of the People's Bank of China as the lender of last resort,and point out problemslike unclear function positioning,moral hazard,transparency and other problems.

关 键 词：最后贷款人 银行破产 人民银行 包商银行 

分 类 号：D922.28[政治法律—经济法学]