【作者】 吴传红；

【导师】 宋占生； 杜力夫；

【作者基本信息】 大连海事大学 ， 国际法学， 2000， 硕士

【摘要】 随着我国金融体制改革的不断深入、市场经济运行规则的不断完善，金融业的竞争愈来愈烈，金融风险也随之不断增大。在激烈的竞争中金融机构就出现了优胜劣汰，其中有的金融机构就会发展壮大，有的则可能遇挫失败，出现危机。而同时金融业又是一个高风险的特殊行业，倘若一个金融机构出现危机，处理不当，就极易造成金融风波，危及社会的稳定。现阶段由于我国对金融机构危机处理的立法尚不完善，因此如何妥善处理金融机构的危机，切实解决好作为金融监管的最后一道防线的危机处理机制这一问题，成为了中央银行加强监管工作的一项重要课题。本文的作者试图从分析我国在此方面的现状出发，在认真研究国外对金融机构危机处理的经验的基础上，对我国应如何处理金融机构的危机进行了探讨，并就我国今后的相关立法提出了一些具有建设性意义的立法思考，但求可以取人之长，补己之短。更多还原

【Abstract】 With the further reform on financial system and the further consummation of market economy rules, the competition among financial institutions becomes more and more fierce and the risk of finance increases accordingly. The keen competition inevitably results in eliminating the inferior, among which some superiors expand while the inferiors meet with crisis Meanwhile, as a special industry with high risk, finance is different from ordinary enterprises. In case of any crisis in a financial institution, it is likely to cause financial storm and endanger the stability of the whole society without cautious disposal. At present stage, due to the imperfection of the law of disposing the crisis in financial institutions, it is an essential task to study how to deal with crisis properly as the last line of defense in financial supervision and management of the central bank.On the basis of analyzing China’s present situation of legislation in this field, and studying the successful experience of disposing crisis abroad, the author discusses how to deal with crisis in financial institution and proposes some constructive suggestions and advice on the interrelated legislation in China.更多还原