金融机构破产终于被纳入了政府的政策视野。9月17日公布的《金融业发展和改革“十二五”规划》提出，要“建立适合我国国情的金融机构破产法律体系，规范金融机构市场退出程序，加强行政退出与司法破产之间的有效衔接。”

Financial institutions bankruptcy was finally in the view of the government's policy.Released on September 17[The financial industry development and reform"1025"planning]Put forward,to"Establish suitable for China's national conditions of financial institutions bankruptcy legal system,Standard financial institutions market withdrawal program,Strengthen administrative exit and judicial bankruptcy effective connection between."

　　事实上，在我国改革开放的历史上，曾经出现过金融机构破产的先例，比如一些地方上的信托机构、证券公司，但是由于制度的不健全，对它们的破产最终大都是由地方政府动用财政资金兜底的形式来解决。此次将金融机构破产上升到立法层面，表明在推进金融业发展和改革的同时，政府对于可能出现的市场风险有了足够的预估，并且将按市场化的原则来处理破产问题。

In fact,In the history of China's reform and opening,There appeared the bankruptcy of financial institutions of precedent,For example some local trust institution/Securities company,But because the system is not sound,Their final bankruptcy is mostly by local governments use financial capital in the form of out to solve.The bankruptcy of financial institutions will rise to the legislative level,Show that in promoting financial development and reform at the same time,The government for possible market risk have enough estimate,According to the principle of market and to deal with the problem of bankruptcy.

　　但是，金融机构的破产是一个“系统工程”，它毕竟不同于一般的实体经济企业破产，牵涉面十分广泛，尤其是关涉到大量普通民众的切身利益。因此，金融机构破产，必须有一整套完善的市场制度和法律制度。举个例子来说，当一个银行出现破产危机时，怎样保护储户的利益，就是政府必须面对的一个问题。关于这一点，“金改十二五规划”已经考虑到，即择机出台《存款保险条例》。

but,The bankruptcy of financial institutions is a"System engineering",It is, after all, different from the general entity economy the enterprise bankruptcy,They are very wide,Especially relate to a large number of ordinary people's vital interests.therefore,Bankruptcy of financial institutions,There must be a whole set of perfect market system and legal system.For example,When a bank bankruptcy in crisis,How to protect the interests of depositors,Is that the government must face a problem.On this point,"Gold change 1025 planning"Is considered to,Namely on the[Deposit insurance act,].

　　存款保险制度的建立，可以在银行一旦面临破产危机时，保护好储户的基本利益。但是，当这项制度普遍推行以后，银行首先要面对一份巨大的保险费支出，这对目前基本只能靠存贷利息差收入生存的银行来说，无疑是一个巨大考验。同时，这又需要推进利率市场化，银行需要有成熟的经营技巧，在降低利率对冲保险费支出和提高利率来吸引客户之间做出利益权衡。在这个过程中，必然会出现优胜劣汰的市场博弈，从而将使我国的金融生态出现变化。这种变化的方向当然是有利于促进金融业发展与改革的总体目标的，甚至有助于打破银行业日前所存在的垄断。但是在这个过程中，如何让市场各方的利益形成平衡，对政府也会形成考验。

The establishment of the deposit insurance system,Can be in a bank when facing bankruptcy crisis,Protect the basic interests of the depositors.but,When the system after the implementation of the general,Banks are the first to be faced with a huge premium expenses,The current basic can only rely on the survival of LiXiCha deposit income for the bank,Is undoubtedly a great test.At the same time,This and the need to promote interest rate marketization,Banks need to have mature management skills,In the lower interest rates hedge insurance expenditure and raise interest rates to attract customers to make benefits balance between.In this process,Will appear superior bad discard market game,Thus will make our financial ecological appear change.This change direction, of course, is to promote the financial industry development and reform of the overall goal,Even helps to break up the banking industry has the existing monopoly.But in the process,How to let the market the interests of formation balance,For the government also form the test.