《保险研究》20251102-《构建我国金融机构早期纠正机制研究报告》（国家金融监督管理总局金融机构早期纠正研究课题组）

［摘   要］金融机构早期纠正机制是防范化解金融风险的重要制度性基础设施。中央金融工作会议明确要求,“对风险早识别、早预警、早暴露、早处置,健全具有硬约束的金融风险早期纠正机制。”党的二十届三中全会进一步提出,“建立风险早期纠正硬约束制度,筑牢有效防控系统性风险的金融稳定保障体系。”国际金融监管组织和主要发达经济体亦就构建金融机构早期纠正机制展开了积极探索,形成了较为系统的法律框架与丰富的案例实践。本文充分借鉴国际有关经验做法,结合我国现行法规与实践基础,分析了我国构建实施金融机构早期纠正机制面临的挑战,并就健全早期纠正机制提出了相关建议。

［关键词］金融机构；早期纠正机制；挑战；完善建议

［作者简介］国家金融监督管理总局金融机构早期纠正研究课题组成员:王胜邦、杜墨、潘李美、陆海天。

A Research on Establishing an Early Corrective Mechanism for China’s Financial Institutions

The Research Team on Early Correction of Financial Institutions,National Financial Regulatory Administration

Abstract：The establishment of an early corrective mechanism for financial institutions is an important institutional infrastructure for preventing and defusing financial risks.The Central Financial Work Conference clearly requires that “risks should be identified,warned,exposed and disposed of at an early stage,and an early corrective mechanism for financial risks with hard constraints should be improved.” The Third Plenary Session of the 20th Central Committee of the Communist Party of China further proposes that “a hard constraint system for early risk correction should be established to build a financial stability guarantee system for effectively preventing and controlling systemic risks.” International financial regulatory organizations and major developed economies have also actively explored the establishment of an early corrective mechanism for financial institutions,forming a relatively systematic legal framework and rich case practices.This article fully draws on  international experiences and practices,and in light of China’s current laws,regulations and practical foundation,it analyzes the difficulties and challenges faced by China in establishing and implementing an early corrective mechanism for financial institutions,and puts forward relevant suggestions on effectively establishing and implementing the early corrective mechanism.

Key words：financial institutions;early corrective mechanism;challenges;improvement suggestions