对金融机构救助的反垄断法思考

金融危机中很多金融机构面临经营危机或倒闭破产,迫使监管部门对金融机构实施援助,但救助对象多是"太大不能倒"的金融机构.该行为是否与反垄断法的基本理念相冲突,是否会破坏金融市场的公平竞争秩序等问题,值得我们深入研究与探讨.基于在危机时期维护金融稳定的目的,政府及监管机构对特定金融机构救助是存在合理性和必要性的,但救助的同时不能忽视反垄断执法,在金融监管的同时也应强调竞争性监管.对于我国来说,建立存款保险制度是实现金融业充分公平竞争的制度保障.

Some Thoughts about Relief for Financial Institutions from Perspective of Antitrust Law

During the financial crisis,regulators began to bail out financial institutions because many financial institutions were facing operating crises or bankruptcies,but the relief objects were almost too-big-to-fail financial institutions.Whether the act will be in conflict with the basic concept of antitrust law and will undermine fair competition order of financial market are worthy of our in-depth study and discussion.For the purpose of maintaining financial stability,governments and regulators to bail out s...