論我國保險公司破產(chǎn)前置程序的實踐、困境及解決之道
發(fā)布時間：2019-03-10 20:59
【摘要】：保險公司破產(chǎn)前置程序主要表現(xiàn)為通過有力的行政干預(yù)對問題保險公司進行風(fēng)險處置,避免破產(chǎn)司法程序的啟動,以降低保險公司破產(chǎn)事件對整個金融秩序和經(jīng)濟社會的高度負(fù)外部性。我國現(xiàn)有立法原則規(guī)定了保險公司破產(chǎn)前置程序的相關(guān)問題,實踐中也發(fā)生了一些啟動前置程序進行風(fēng)險處置的案例,但顯然還存在行政權(quán)力一支獨大、保險保障基金使用不規(guī)范、前置程序難以向司法程序順利過渡等諸多問題。借鑒美國、日本保險業(yè)以及我國其他金融行業(yè)的有益經(jīng)驗,我國應(yīng)通過增加程序性要求、合理限制保險保障基金的用途以及細(xì)化前置程序與司法程序的銜接要求等方式不斷完善提高保險公司破產(chǎn)前置程序的立法和執(zhí)法實踐。
[Abstract]:The pre-bankruptcy procedure of the insurance company mainly shows that it can deal with the risk of the problem insurance company through the powerful administrative intervention to avoid the commencement of the bankruptcy judicial proceedings. In order to reduce the bankruptcy of insurance companies to the overall financial order and economic and social highly negative externalities. The existing legislative principles of our country stipulate the related problems of the pre-bankruptcy procedure for insurance companies. In practice, there have also been some cases of initiating the pre-procedure for risk disposal, but obviously there is still a monopoly of administrative power. The use of insurance guarantee fund is not standardized, and it is difficult to make a smooth transition to judicial procedure. Drawing lessons from the useful experience of the United States, Japan's insurance industry and other financial industries in China, China should increase its procedural requirements by adding procedural requirements. In order to improve the legislation and enforcement practice of insurance company's bankruptcy pre-procedure, it is necessary to restrict the use of insurance guarantee fund reasonably and to refine the connection requirements between pre-procedure and judicial procedure.
【作者單位】： 對外經(jīng)濟貿(mào)易大學(xué)法學(xué)院;
【基金】：國家社科基金項目“國際評級巨頭霸權(quán)濫用及我國的法律應(yīng)對措施”(項目批準(zhǔn)號:13BFX147)的階段性研究成果
【分類號】：D922.284;D922.291.92
[Abstract]:The pre-bankruptcy procedure of the insurance company mainly shows that it can deal with the risk of the problem insurance company through the powerful administrative intervention to avoid the commencement of the bankruptcy judicial proceedings. In order to reduce the bankruptcy of insurance companies to the overall financial order and economic and social highly negative externalities. The existing legislative principles of our country stipulate the related problems of the pre-bankruptcy procedure for insurance companies. In practice, there have also been some cases of initiating the pre-procedure for risk disposal, but obviously there is still a monopoly of administrative power. The use of insurance guarantee fund is not standardized, and it is difficult to make a smooth transition to judicial procedure. Drawing lessons from the useful experience of the United States, Japan's insurance industry and other financial industries in China, China should increase its procedural requirements by adding procedural requirements. In order to improve the legislation and enforcement practice of insurance company's bankruptcy pre-procedure, it is necessary to restrict the use of insurance guarantee fund reasonably and to refine the connection requirements between pre-procedure and judicial procedure.
【作者單位】： 對外經(jīng)濟貿(mào)易大學(xué)法學(xué)院;
【基金】：國家社科基金項目“國際評級巨頭霸權(quán)濫用及我國的法律應(yīng)對措施”(項目批準(zhǔn)號:13BFX147)的階段性研究成果
【分類號】：D922.284;D922.291.92
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