浅论我国金融机构破产制度的构建 毕业论文.doc

Abstract Upon the entry into WTO，China has opened up the financial services market all around.Undoubtedly,the uncompetitive ones will be eliminated．Market exit mechanism must be established in Chinese financial market according to the rules of market economy．Bankruptcy system of financial institutions is an important part of market exit mechanism, but there are severe defaults in curreut legislation about bankruptcy of financial institutions．Though there have been some relevant provisions in new Bankruptcy Law , they can not satisfy the practice of financial Institutions. It is urgent to consullet Our countries’bankruptcy system of financial institutions．This article compares the Chinese and foreign financial institutions, bankruptcy legislation, and the bankruptcy of financial institutions to carry out the necessity of a separate set of legislation, further legislation on bankruptcy of financial institutions innovative concept and system design. Legislative style choices, and adjust the name of the object identified, the specific procedures set insolvency, bankruptcy and other financial institutions as the main contents of the disposal of assets; to improve the market access system, external risk monitoring, early warning mechanisms, deposit insurance and compensation system as supporting systems, reasonable for Chinas financial sector competition and efficiency to provide a stable system environment. Key words: bankruptcy； deposit insurance system；market exit mechanism 浅论我国金融机构破产制度的构建 金融机构破产制度，即商业银行、保险公司、证券公司等金融机构出现资不抵债等破产情形的，金融监督管理机构可以向法院提出对该金融机构进行重整或者破产清算的申请。因此，金融机构破产制度是金融市场退出机制的重要组成部分。 然而我国现有立法在金融破产方面存在严重缺陷，虽然出台的破产法中有了金融机构破产的相关规定，但远远不能满足实践中金融破产实例的要求，构建我国金融破产机制已是迫切之需。而关于金融机构破产的机制，在《商业银行法》《保险法》和新破产法草案中都有规定，但只是在原则上认可金融机构可以破产国家包一整套制度和文化的支撑体系? 一、建立金融机构破产机制的重要性 （一）建立金融机构破产机制是市场经济的需要 今天是市场经济的时代。既然是市场经济，就是必然要求遵循竞争规律。竞争，意味着优胜劣汰，吐故纳新将是首要的法则。因此，一个市场经济国家，也就必然要具备一套完整的市场机制。何为市场机制？简单来说，包括市场准入机制、市场运营监管以及市场退出机制等一系列的机制。在加入WTO体制多年后的今天，中国已经初步建立起了市场经济体制，成长为一个发展