问题金融机构风险系统处置论  

On the Systematic Disposal of Risks Related to Troubled Financial Institutions

作　　者：李博苋 LI Boxian(China University of Political Science&Law,Beijing 100088,China)

机构地区：[1]中国政法大学,北京100088

出　　处：《西南政法大学学报》2025年第1期20-30,共11页Journal of Southwest University of Political Science and Law

基　　金：国家社科基金重大项目“防范系统性风险与健全金融稳定长效法律机制研究”(23ZD157)。

摘　　要：从法律文本和实践运行看,我国问题金融机构风险处置尚未实现系统治理。在制定《金融稳定法》的背景下,问题金融机构风险处置需引入系统观念,从主体、方法、规则、程序等层面进行体系性分析,运用源头防范、系统治理、整体协同的方式来防控风险。未来我国问题金融机构风险的系统处置,应以《金融稳定法》为核心完善金融风险处置法律体系,以过程监管为重心完善金融风险整体防控体系,以行政与司法协同为基础完善金融风险个案处置体系。Viewed from the perspective of legislative texts and their operation in practice,systematic governance is yet to be achieved for the disposal of risks related to troubled financial institutions in China.As China is drafting the Financial Stability Law,it is necessary to adopt a systematic approach to managing risks related to troubled financial institutions in the country,carry out well-coordinated analyses in terms of subjects,methods,rules,procedures,among others,so as to prevent and control risks at the very source thereof in a systematic and well-coordinated manner.The systematic disposal of risks related to China’s troubled financial institutions should be based on a well-developed legal regime addressing financial risks that is centered on the Financial Stability Law;the overall financial risk prevention and control system should be optimized,with priority given to process supervision and regulation,and the case-by-case financial risk disposal regime should be improved on the basis of cooperation and coordination between administrative and judicial authorities.

关 键 词：问题金融机构 风险处置 系统治理 金融稳定 

分 类 号：DF438[政治法律—经济法学]