全国政协委员、银监会副主席蔡鄂生在政协分组讨论上透露，《金融机构破产条例》已在银监会部门内部征求意见，具体什么时候出台暂无时间表。

The CPPCC national committee/Cai Esheng, vice President of the China banking regulatory commission revealed in Chinese people's political consultative conference (CPPCC) group discussions,[Financial institutions bankruptcy ordinance]Is within the department of the China banking regulatory commission for advice,Specific no schedule when to come.

　　市场主体优胜劣汰的退出机制不健全是目前我国市场经济体制的最大残缺，从而形成了市场竞争不充分，市场效率低下，市场主体缺乏信托责任，市场风险特别是金融风险不断累积，一系列经济矛盾越积越多、越难以消化和解决的困局。这种“只进不出”的畸形经济机制，已使我国经济体制呈现“市场不市场、计划不计划”的四不像状态，这些累积的经济金融矛盾和风险，一旦爆发就会一发不可收拾。虽然2006年8月第十届全国人大常务委员会第二十三次会议通过了《中华人民共和国企业破产法》（以下简称《破产法》），但这部法律执行得不够好，特别是对于国有企业、金融企业基本形同虚设。这其中一个重要原因是，在破产大法颁布后，进一步立法严重滞后。比如：《破产法》规定：金融机构实施破产的，国务院可以依据本法和其他有关法律的规定制定实施办法。这个实施办法，笔者理解，就该包括蔡鄂生所指的《金融机构破产条例》。

Market main body evolution of exit mechanism is not sound is the biggest incomplete market economic system of our country at present,Thus formed the insufficient market competition,Market efficiency is low,Market main body lack of fiduciary duty,Market risks, especially financial risks are accumulating,A series of economic contradictions is piling up/The more difficult to digest and to solve the dilemma.This kind of"Not only the"Deformity of the economic mechanism,Has made our country economic system"Market is the market/Do not plan"You can state,The accumulation of economic and financial conflicts and risks,Once the outbreak will open the floodgates.Although in August 2006, the standing committee of the tenth National People's Congress, 23 meeting passed[The enterprise bankruptcy law of the People's Republic of China](Hereinafter referred to as the[The bankruptcy law]),But the law enforcement is not good enough,Especially for the state-owned enterprises/Basic financial enterprises.This is one of the important reasons,After the bankruptcy law enacted,Further legislation seriously lagging behind.Such as the:[The bankruptcy law]provisions:Financial institutions through bankruptcy,The state council may, in accordance with this law and other relevant laws and regulations, formulate measures for its implementation.The measures for its implementation,I understand,Should include Cai Esheng refers to[Financial institutions bankruptcy ordinance].

　　从《破产法》颁布至今已近7年，但《金融机构破产条例》实施办法仍停留在监管部门内部征求意见阶段。政府工作报告中提到，要守住不发生系统性和区域性金融风险底线。问题在于，一边在守，另一边在冲，坝堤越来越高，风险越堵越大，最终必将小风险堵成大风险。须知，一旦守不住决堤后，这种系统性风险将是毁灭性的！

From the[The bankruptcy law]Has been almost seven years,but[Financial institutions bankruptcy ordinance]Measures for its implementation is still within the regulatory advice phase.Government work report,Keep not systemic and regional financial risk the bottom line.The problem is that,In the hold,On the other side in the rush,Dam embankment is higher and higher,The plugging, the greater the risk,Will eventually little plugging into a big risk.instructions,Once after the keep the burst,This systemic risk would be devastating!

　　所以，建立疏堵结合、进退自如、有舍有得机制，才是防范系统性和区域性金融风险的最佳出路，也是长效机制。充分发挥市场机制作用，优胜劣汰，保护经营好、风险低的金融企业，淘汰经营差、风险高、资不抵债的金融企业，让其依法破产。按照《破产法》，国务院金融监督管理机构依法对出现重大经营风险的金融机构采取接管、托管等措施的，可以向人民法院申请中止以该金融机构为被告或者被执行人的民事诉讼程序或者执行程序。出台《金融机构破产条例》十分必要，应有紧迫感，我们希望尽早看到相关时间表。

so,Establish snookering/as/Have foregone mechanism,Is the best way of prevent systemic and regional financial risks,Is also a long-term mechanism.Give full play to market mechanism,Superior bad discard,Good conservation management/Lower risk of financial firms,Eliminate poor management/The risk is high/Insolvent financial institutions,Make its bankruptcy according to law.In accordance with the[The bankruptcy law],The financial supervision and administration institution under the state council in accordance with the law of significant business risks of financial institutions to take over/Custody and other measures,Can apply to the people's court for suspending the financial institutions as the defendant or the person subjected to execution of civil procedure or execution procedure.a[Financial institutions bankruptcy ordinance]It is necessary to,Should have a sense of urgency,We hope to see the schedule as soon as possible.

　　对此，笔者以为，在《金融机构破产条例》出台之前，先期要做好两件事。首先，保护公众存款人利益的存款保险制度须尽快实施。其次，保护破产金融企业职工的社会保障和补偿制度一定要健全，以防止过度伤害职工，引发不稳定因素。同时，对破产金融机构管理层人员的咎责、追责、惩罚制度也应赶紧跟上。

For this,The author thought that,In the[Financial institutions bankruptcy ordinance]Come before,Early to do two things.First of all,To protect the public interests of the depositors deposit insurance system should be implemented as soon as possible.The second,Protection of bankruptcy of financial enterprise employees must improve the social security and compensation system,In order to prevent excessive damage worker,Cause instability.At the same time,To the bankrupt financial institutions management personnel of the blame/Held accountable/Punishment should be to keep up with.