我国最后贷款人法律制度的完善

我国对最后贷款人制度的功能认识不清,定位不准,以至于最后贷款运用得过多、过-滥,导致了大量的不良资产。最后贷款的范围应该是一切符合贷款条件的金融机构,要运用"建设性模棱两可"策略,要完善最后贷款的条件,法律应规定一般最后贷款应以惩罚性利率发放,禁止发放信用贷款。

On the Perfection of the Legal System of the Lender of the Last Resort in China

The function and orientation of the lender of last resort in China are not correct as them should be. Accordingly, the frequency of the lender of last resort in China leads to a mount of non-perform loans. Actually, the lender of the last resort should lend money to all kinds of financial institutions which meet the conditions of it, the strategy of constructive ambiguity should be applied in practice, the conditions of the lending should be perfected, the rates should be penitentiary in general, and the credited loans should be forbid.