系统重要性银行的外部性:基于法学视角的分析

发布时间：2018-06-26 11:29

本文选题：系统重要性银行 + 外部性　；参考：《金融评论》2017年01期

【摘要】：系统重要性银行(下称SIBs)的负外部性主要表现在系统性风险在SIBs之间传递,进而影响金融体系和实体经济。从法学角度来看,市场失灵、政府失灵、政府规制是外部性法学的逻辑起点;外部性的本质是权益冲突,而这种权益冲突体现了对无交易关联的经济行为人的侵害;在法学领域,财产法、合同法、侵权法、公法等都为外部性问题的解决提供了法律基础;基于法律经济学,解决SIBs负外部性问题的关键是建立事前和事后解决机制,事前机制的核心在于界定SIBs与利益相关方的权利和义务,事后机制的重点则在于完善SIBs危机处置及退出机制、完善权利诉讼制度等。
[Abstract]:The negative externalities of systemically important banks (hereinafter referred to as SIBs) are mainly reflected in the transmission of systemic risk between SIBs, which then affects the financial system and the real economy. From the point of view of law, market failure, government regulation is the logical starting point of external law, the essence of externality is the conflict of rights and interests, and this conflict of rights and interests reflects the infringement on the economic actors without transaction connection. In the field of law, property law, contract law, tort law, public law and so on all provide the legal basis for solving the problem of externality, and based on the law and economics, the key to solve the problem of negative externality of SIBs is to establish the prior and afterwards settlement mechanism. The core of the ex ante mechanism is to define the rights and obligations of SIBs and the stakeholders. The emphasis of the ex post mechanism is to perfect the SIBs crisis disposal and exit mechanism and the right litigation system.
【作者单位】：太原科技大学经济与管理学院;中国社会科学院财经战略研究院;
【基金】：国家社会科学基金重点项目“‘十三五’时期我国的金融安全战略研究”(批准号:15AJY017)的阶段性研究成果
【分类号】：F832.1

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