民营银行“生前遗嘱”制度的法律构建

发布时间：2018-04-21 06:58

本文选题：民营银行 + “生前遗嘱”　；参考：《社会科学辑刊》2015年02期

【摘要】："生前遗嘱"制度是次贷危机后针对"大而不倒机构"产生的一项新的风险防范与处置制度。在金融稳定理事会和G20的推动下,该项制度已得到各国的普遍认可,并在主要金融市场国家的立法中得以确立。该项制度要求金融机构在正常经营期间就制定"恢复与处置计划",以保证发生危机的机构能够迅速恢复健康,为监管机构的处置措施提供基础,实现危机机构的有序处置。民营银行作为金融市场中的"风险自担"主体,以法律的形式确立"生前遗嘱"制度对其经营发展、风险防控、有序处置等具有重要意义。其内容具体包括明确民营银行"生前遗嘱"的法定目标与监管主体,确立民营银行"生前遗嘱"的制定与更新程序,建立民营银行"生前遗嘱"启动机制,完善民营银行的自救措施等。
[Abstract]:The system of "life and will" is a new system of risk prevention and disposal for the "big and no institution" after the subprime mortgage crisis. Under the impetus of the financial stability board and the G20, the system has been universally recognized by all countries and established in the legislation of the major financial market countries. This system requires the financial institutions to operate normally. During the period, the "recovery and disposal plan" is set up to ensure that the institutions in crisis can quickly recover their health, provide the basis for the disposal measures of the regulatory agencies and realize the orderly disposal of the crisis institutions. As the main body of "risk self" in the financial market, the private banks establish the "life before will" system to its management and development in the form of law. Prevention and control, orderly disposal and so on is of great significance. Its contents include clearly defining the legal targets and supervision subjects of the "life will" of the private banks, establishing the procedures for the formulation and updating of the "life will" of the private banks, setting up the starting mechanism of the "life before the will" of the private banks, and perfecting the self rescue measures of the private banks.

【作者单位】：辽宁大学法学院;沈阳工业大学文法学院;
【基金】：教育部新世纪优秀人才支持计划规划项目(NCET-11-1010) 司法部重点项目(12SFB1006) 教育部哲学社会科学研究重大课题攻关项目(13JZD012) 辽宁省社会科学规划基金项目(L12BFX006)
【分类号】：D922.281

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