金融穩定法的制度邏輯與規則優化

Institutional Logic of Financial Stability Law and Its Rule Optimization

金融機構、金融風險的特殊性，決定了金融監管機構對於出現危機的金融機構，不能像對待普通企業那樣，任由其淘汰出局，而應有一系列特殊法律制度安排。這些特殊安排主要體現在《金融穩定法》（草案）中。《金融穩定法》（草案）的重要立法目的是建立科學有效的金融風險防範、化解、處置機制。建議《金融穩定法》（草案）進一步提高立法的科學性和透明度；建立最低限度的程序正義；抓大放小，關注系統性金融風險和系統重要性金融機構；擴大存款保險管理機構職能，明確存款保險機構是風險處置機構之一；引入控制人責任，以增強金融公司治理的獨立性；進一步落實追贓挽損的主體責任。

The particularity of financial institutions and financial risks determines that financial regulatory agencies should not allow financial institutions in crisis to be eliminated as ordinary enterprises, but should have a series of special legal system arrangements. These special arrangements are mainly reflected in the Financial Stability Act (Draft). The important legislative purpose of the Financial Stability Law(Draft) is to establish a scientific and effective mechanism for preventing, resolving, and disposing of financial risks. It is suggested that the Financial Stability Act (Draft) should further improve the scientificity and transparency of legislation, establish minimum procedural justice, pay attention to systemic financial risks and systemically important financial institutions by focusing on the big and letting go of the small, expand the functions of deposit insurance management institution and clarify that deposit insurance institution is one of the risk resolution institutions, introduce controller' s liability to enhance the independence of financial company governance; Further implement the main liability of recovering stolen goods and damages.