﻿{"id":212537,"date":"2021-02-01T12:40:17","date_gmt":"2021-02-01T04:40:17","guid":{"rendered":"https:\/\/law.asia\/?p=212537"},"modified":"2025-10-16T10:29:25","modified_gmt":"2025-10-16T02:29:25","slug":"brief-analysis-risk-fund-system-financial-institutions","status":"publish","type":"post","link":"https:\/\/law.asia\/zh-hans\/brief-analysis-risk-fund-system-financial-institutions\/","title":{"rendered":"\u7b80\u6790\u91d1\u878d\u673a\u6784\u201c\u98ce\u9669\u91d1\u201d\u5236\u5ea6"},"content":{"rendered":"<p style=\"text-align: justify;\">\u91d1\u878d\u673a\u6784\u7684\u85aa\u916c\u5236\u5ea6\u5177\u6709\u5f88\u5f3a\u7684\u884c\u4e1a\u7279\u6027\u3002\u5b9e\u8df5\u4e2d\uff0c\u4e0d\u5c11\u91d1\u878d\u673a\u6784\u4f9d\u636e\u539f\u94f6\u76d1\u4f1a\u5236\u5b9a\u7684\u300a\u5546\u4e1a\u94f6\u884c\u7a33\u5065\u85aa\u916c\u76d1\u7ba1\u6307\u5f15\u300b\uff08\u94f6\u76d1\u53d1[2010]14\u53f7\uff09\uff08\u4e0b\u79f0\u201c\u300a\u85aa\u916c\u6307\u5f15\u300b\u201d\uff09\uff0c\u5c06\u5458\u5de5\u85aa\u916c\u5206\u4e3a\u56fa\u5b9a\u548c\u6d6e\u52a8\u4e24\u90e8\u5206\uff0c\u5e76\u5c06\u90e8\u5206\u6d6e\u52a8\u85aa\u916c\u8ba1\u63d0\u4e3a\u201c\u98ce\u9669\u91d1\u201d\uff0c\u5ef6\u671f\u652f\u4ed8\uff0c\u5982\u5728\u6b64\u671f\u95f4\u5458\u5de5\u7ecf\u529e\u7684\u9879\u76ee\u89e6\u53d1\u98ce\u9669\uff0c\u5c06\u914c\u60c5\u6263\u51cf\u98ce\u9669\u91d1\u3002\u672c\u6587\u65e8\u5728\u5bf9\u6b64\u7c7b\u201c\u98ce\u9669\u91d1\u201d\u5236\u5ea6\u5bb9\u6613\u5f15\u53d1\u7684\u4e89\u8bae\u8fdb\u884c\u7b80\u8981\u5206\u6790\uff0c\u4ee5\u671f\u5bf9\u91d1\u878d\u673a\u6784\u5728\u5236\u5b9a\u548c\u5e94\u7528\u201c\u98ce\u9669\u91d1\u201d\u5236\u5ea6\u65f6\u6709\u6240\u542f\u793a\u3002<\/p>\n<figure id=\"attachment_212526\" aria-describedby=\"caption-attachment-212526\" style=\"width: 240px\" class=\"wp-caption alignleft\"><img class=\"wp-image-212526 size-full\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2021\/01\/\u6c88\u654f\u6cc9-Shen-Minquan-Partner-Jingtian-Gongcheng.jpg\" alt=\"\u6c88\u654f\u6cc9, Shen Minquan, Partner, Jingtian &amp; Gongcheng\" width=\"240\" height=\"300\" \/><figcaption id=\"caption-attachment-212526\" class=\"wp-caption-text\"><strong>\u6c88\u654f\u6cc9<\/strong><br \/>\u5408\u4f19\u4eba<br \/>\u7ade\u5929\u516c\u8bda\u5f8b\u5e08\u4e8b\u52a1\u6240<\/figcaption><\/figure>\n<p style=\"text-align: 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justify;\">\u5176\u6b21\uff0c\u9664\u4e0a\u8ff0\u300a\u85aa\u916c\u6307\u5f15\u300b\u5916\uff0c\u73b0\u884c\u6cd5\u5f8b\u5bf9\u201c\u98ce\u9669\u91d1\u201d\u6ca1\u6709\u660e\u786e\u89c4\u5b9a\uff0c\u5728\u53f8\u6cd5\u5b9e\u8df5\u4e2d\uff0c\u6cd5\u9662\u5f80\u5f80\u4f1a\u901a\u8fc7\u5982\u4e0b\u7126\u70b9\u95ee\u9898\u5bf9\u201c\u98ce\u9669\u91d1\u201d\u5236\u5ea6\u8fdb\u884c\u5ba1\u67e5\uff1a<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #ff0000;\"><b>\uff08<\/b><b>1<\/b><b>\uff09<\/b><b> <\/b><b>\u5236\u5b9a\u7a0b\u5e8f\u662f\u5426\u5408\u6cd5\uff1f<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\">\u56e0\u201c\u98ce\u9669\u91d1\u201d\u6d89\u53ca\u52b3\u52a8\u8005\u7684\u5207\u8eab\u5229\u76ca\uff0c\u4e3a\u6ee1\u8db3\u300a\u52b3\u52a8\u5408\u540c\u6cd5\u300b\u7b2c\u56db\u6761\u5bf9\u89c4\u7ae0\u5236\u5ea6\u5236\u5b9a\u7a0b\u5e8f\u4e0a\u7684\u8981\u6c42\uff0c\u201c\u98ce\u9669\u91d1\u201d\u5236\u5ea6\u5e94\u5f53\u7ecf\u6c11\u4e3b\u7a0b\u5e8f\u5236\u5b9a\u5e76\u5bf9\u5458\u5de5\u516c\u793a\u3002<\/p>\n<h3 style=\"text-align: justify;\"><span style=\"color: #ff0000;\"><b>\uff08<\/b><b>2<\/b><b>\uff09<\/b><b> <\/b><b>\u91d1\u878d\u673a\u6784\u4ee5\u9879\u76ee\u89e6\u53d1\u98ce\u9669\u4e3a\u7531\u6263\u51cf\u5458\u5de5<\/b><b>\u201c<\/b><b>\u98ce\u9669\u91d1<\/b><b>\u201d<\/b><b>\u662f\u5426\u5408\u6cd5\uff1f<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\">\u800c\u4ece\u5b9e\u4f53\u65b9\u9762\u770b\uff0c\u6cd5\u9662\u901a\u5e38\u4f1a\u7ed3\u5408\u91d1\u878d\u673a\u6784\u6240\u8bbe\u5b9a\u7684\u201c\u98ce\u9669\u91d1\u201d\u53d1\u653e\u6761\u4ef6\u3001\u6d89\u6848\u9879\u76ee\u7684\u98ce\u9669\u60c5\u51b5\u3001\u4ee5\u53ca\u6240\u53d1\u751f\u7684\u98ce\u9669\u4e0e\u5458\u5de5\u884c\u4e3a\u4e4b\u95f4\u7684\u5173\u8054\u6027\u7b49\u5177\u4f53\u60c5\u5f62\uff0c\u6765\u7efc\u5408\u8bc4\u5224\u8fd9\u4e00\u95ee\u9898\uff0c\u4f46\u4e0d\u540c\u6cd5\u9662\u5728\u88c1\u91cf\u4e0a\u4e5f\u5b58\u5728\u4e00\u5b9a\u7684\u5206\u6b67\u3002<\/p>\n<p style=\"text-align: justify;\">\u5982\u5317\u4eac\u5e02\u7b2c\u4e8c\u4e2d\u7ea7\u4eba\u6c11\u6cd5\u9662\u5728\u5218\u817e\u4e0e\u4e2d\u56fd\u91d1\u8c37\u56fd\u9645\u4fe1\u6258\u6709\u9650\u8d23\u4efb\u516c\u53f8\u7684\u52b3\u52a8\u4e89\u8bae\u4e2d\u8ba4\u4e3a\uff0c\u98ce\u9669\u51c6\u5907\u91d1\u7cfb\u91d1\u8c37\u4fe1\u6258\u516c\u53f8\u4e3a\u62b5\u5fa1\u9879\u76ee\u98ce\u9669\uff0c\u5728\u7ee9\u6548\u4e2d\u4e88\u4ee5\u6263\u53d1\u7684\u90e8\u5206\u91d1\u989d\uff0c\u5c5e\u4e8e\u9644\u6709\u6761\u4ef6\u53ca\u671f\u9650\u7684\u53ef\u5f97\u5229\u76ca\uff0c\u5e76\u975e\u5fc5\u7136\u53d1\u653e\uff0c\u4e14\u6d89\u6848\u9879\u76ee\u53d1\u751f\u635f\u5931\u7684\u65f6\u95f4\u4ea6\u5728\u98ce\u9669\u51c6\u5907\u91d1\u5ef6\u4ed8\u7684\u671f\u9650\u4e4b\u5185\uff0c\u6545\u5728\u9879\u76ee\u53d1\u751f\u635f\u5931\u65f6\uff0c\u98ce\u9669\u51c6\u5907\u91d1\u7406\u5e94\u62b5\u6263\u9879\u76ee\u635f\u5931\u3002<\/p>\n<p style=\"text-align: justify;\">\u4f46\u91d1\u534e\u5e02\u4e2d\u7ea7\u4eba\u6c11\u6cd5\u9662\u5728\u6d59\u6c5f\u7a20\u5dde\u5546\u4e1a\u94f6\u884c\u80a1\u4efd\u6709\u9650\u516c\u53f8\u6b66\u4e49\u652f\u884c\u3001\u5f90\u51b2\u52b3\u52a8\u5408\u540c\u7ea0\u7eb7\u4e2d\u5219\u6301\u6709\u4e0d\u540c\u7684\u89c2\u70b9\uff0c\u8ba4\u4e3a\u98ce\u9669\u8d44\u4ea7\u7684\u51fa\u73b0\u662f\u94f6\u884c\u7684\u6b63\u5e38\u7ecf\u8425\u98ce\u9669\uff0c\u94f6\u884c\u5c06\u76f8\u5e94\u7684\u98ce\u9669\u8f6c\u5ac1\u7ed9\u52b3\u52a8\u8005\uff0c\u4fb5\u5bb3\u52b3\u52a8\u8005\u7684\u5408\u6cd5\u6743\u76ca\uff0c\u4e14\u5728\u6ca1\u6709\u5145\u5206\u8bc1\u636e\u8bc1\u660e\u903e\u671f\u6b20\u606f\u7b49\u60c5\u5f62\u7cfb\u7531\u5458\u5de5\u4e25\u91cd\u8fc7\u9519\u9020\u6210\u7684\u60c5\u51b5\u4e0b\uff0c\u5c06\u5168\u90e8\u8d23\u4efb\u5f52\u548e\u4e8e\u5458\u5de5\uff0c\u5e76\u8981\u6c42\u5176\u627f\u62c5\u98ce\u9669\u8d23\u4efb\u91d1\u660e\u663e\u4e0d\u516c\u3002<\/p>\n<figure id=\"attachment_220738\" aria-describedby=\"caption-attachment-220738\" style=\"width: 240px\" class=\"wp-caption alignleft\"><img class=\"wp-image-220738 size-medium\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2021\/02\/\u9648\u9753-Chen-Liang-Associate-Jingtian-Gongcheng.jpg\" alt=\"\u9648\u9753, Chen Liang, Associate, Jingtian &amp; Gongcheng\" width=\"240\" height=\"300\" \/><figcaption id=\"caption-attachment-220738\" class=\"wp-caption-text\"><strong>\u9648\u9753<\/strong><br \/>\u5f8b\u5e08<br \/>\u7ade\u5929\u516c\u8bda\u5f8b\u5e08\u4e8b\u52a1\u6240<\/figcaption><\/figure>\n<h3 style=\"text-align: justify;\"><span style=\"color: #ff0000;\"><b>\uff08<\/b><b>3<\/b><b>\uff09<\/b><b>\u201c<\/b><b>\u98ce\u9669\u91d1<\/b><b>\u201d<\/b><b>\u7684\u5ef6\u671f\u652f\u4ed8\u662f\u5426\u9002\u7528\u4e8e\u5df2\u7ecf\u79bb\u804c\u7684\u5458\u5de5\uff1f<\/b><\/span><\/h3>\n<p style=\"text-align: justify;\">\u5728\u53f8\u6cd5\u5224\u4f8b\u4e2d\uff0c\u5f80\u5f80\u4e0d\u4ee5\u5458\u5de5\u662f\u5426\u5728\u804c\u4f5c\u4e3a\u201c\u98ce\u9669\u91d1\u201d\u652f\u4ed8\u7684\u524d\u63d0\uff0c\u4e14\u52b3\u52a8\u5173\u7cfb\u662f\u5426\u5408\u6cd5\u89e3\u9664\u4e0e\u201c\u98ce\u9669\u91d1\u201d\u7684\u652f\u4ed8\u4e5f\u6ca1\u6709\u5fc5\u7136\u8054\u7cfb\u3002<\/p>\n<p style=\"text-align: justify;\">\u5982\u4e0a\u6d77\u5e02\u7b2c\u4e8c\u4e2d\u7ea7\u4eba\u6c11\u6cd5\u9662\u5728\u53a6\u95e8\u56fd\u9645\u94f6\u884c\u80a1\u4efd\u6709\u9650\u516c\u53f8\u4e0a\u6d77\u5206\u884c\u3001\u7f57\u67cf\u987a\u52b3\u52a8\u5408\u540c\u7ea0\u7eb7\u4e2d\uff0c\u8ba4\u53ef\u53a6\u95e8\u94f6\u884c\u6709\u6743\u56e0\u5458\u5de5\u4e25\u91cd\u8fdd\u7eaa\u800c\u4e0e\u4e4b\u89e3\u9664\u52b3\u52a8\u7684\u524d\u63d0\u4e0b\uff0c\u5bf9\u53a6\u95e8\u94f6\u884c\u987a\u5ef6\u652f\u4ed8\u5458\u5de5\u5728\u804c\u671f\u95f4\u7684\u7ee9\u6548\u5de5\u8d44\u4ecd\u6301\u80af\u5b9a\u6001\u5ea6\uff0c\u8ba4\u4e3a\u867d\u7136\u6839\u636e\u300a\u5de5\u8d44\u652f\u4ed8\u6682\u884c\u89c4\u5b9a\u300b\uff0c\u7528\u4eba\u5355\u4f4d\u4e0e\u52b3\u52a8\u8005\u89e3\u9664\u52b3\u52a8\u5173\u7cfb\u65f6\u5e94\u4e00\u6b21\u6027\u7ed3\u6e05\u5de5\u8d44\uff0c\u4f46\u540c\u65f6\u6839\u636e\u300a\u5bf9\u3008\u5de5\u8d44\u652f\u4ed8\u6682\u884c\u89c4\u5b9a\u3009\u6709\u5173\u95ee\u9898\u7684\u8865\u5145\u89c4\u5b9a\u300b\uff0c\u5728\u7279\u6b8a\u60c5\u5f62\u4e0b\u53ef\u4e88\u4ee5\u8c03\u6574\uff0c\u4e0d\u5c5e\u4e8e\u51cf\u53d1\u5de5\u8d44\u7684\u60c5\u51b5\u3002<\/p>\n<p style=\"text-align: justify;\">\u676d\u5dde\u5e02\u897f\u6e56\u533a\u4eba\u6c11\u6cd5\u9662\u5728\u5434\u5f81\u4e0e\u676d\u5dde\u94f6\u884c\u80a1\u4efd\u6709\u9650\u516c\u53f8\u52b3\u52a8\u4e89\u8bae\u4e2d\u4e5f\u8868\u8fbe\u4e86\u7c7b\u4f3c\u89c2\u70b9\uff0c\u4e00\u65b9\u9762\uff0c\u8ba4\u5b9a\u52b3\u52a8\u5408\u540c\u56e0\u5458\u5de5\u4e25\u91cd\u8fdd\u7eaa\u800c\u5408\u6cd5\u89e3\u9664\uff0c\u53e6\u4e00\u65b9\u9762\uff0c\u8ba4\u5b9a\u7ee9\u6548\u85aa\u916c\u5ef6\u671f\u652f\u4ed8\u540c\u6837\u9002\u7528\u4e8e\u79bb\u804c\u4eba\u5458\uff0c\u5728\u676d\u5dde\u94f6\u884c\u672a\u80fd\u8bc1\u660e\u5e94\u4e88\u8ffd\u7d22\u3001\u6263\u56de\u5458\u5de5\u7ee9\u6548\u91d1\u7684\u60c5\u51b5\u4e0b\uff0c\u5e94\u652f\u4ed8\u5df2\u5c4a\u671f\u7684\u7ee9\u6548\u85aa\u916c\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #ff0000;\"><b>\u5c0f\u7ed3<\/b><\/span><\/h2>\n<p style=\"text-align: justify;\">\u7efc\u5408\u300a\u85aa\u916c\u6307\u5f15\u300b\u548c\u53f8\u6cd5\u5224\u4f8b\uff0c\u91d1\u878d\u673a\u6784\u5728\u5236\u5b9a\u201c\u98ce\u9669\u91d1\u201d\u7b49\u85aa\u916c\u5236\u5ea6\u65f6\u5e94\u6ce8\u610f\uff1a(1)\u7b26\u5408\u6c11\u4e3b\u516c\u793a\u7a0b\u5e8f\uff1b(2) \u6263\u51cf\u201c\u98ce\u9669\u91d1\u201d\u524d\u8981\u5145\u5206\u8bc4\u4f30\u9879\u76ee\u89e6\u53d1\u98ce\u9669\u4e0e\u5458\u5de5\u884c\u4e3a\u4e4b\u95f4\u7684\u5173\u8054\u6027\uff1b\u4ee5\u53ca (3) \u201c\u98ce\u9669\u91d1\u201d \u5ef6\u671f\u652f\u4ed8\u901a\u5e38\u4e0d\u4ee5\u5458\u5de5\u5728\u804c\u4e3a\u524d\u63d0\uff0c\u5982\u6ee1\u8db3\u53d1\u653e\u6761\u4ef6\u5e94\u53ca\u65f6\u652f\u4ed8\u3002<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<div class=\"page\" title=\"Page 183\">\n<div class=\"section\">\n<div class=\"layoutArea\">\n<div class=\"column\">\n<p><span style=\"color: #808080;\"><em>\u7ade\u5929\u516c\u8bda\u5f8b\u5e08\u4e8b\u52a1\u6240\u5408\u4f19\u4eba\u6c88\u654f\u6cc9\u3001 \u5f8b\u5e08\u9648\u9753<\/em><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<section class=\"format-info\"><a class=\"td-modal-image\" href=\"https:\/\/law.asia\/china-business-law-journal\/directory-prc\/jingtian-gongcheng\/\"><img class=\"aligncenter size-medium wp-image-123093\" src=\"https:\/\/law.asia\/wp-content\/uploads\/2019\/03\/Jingtian-Gongcheng-Logo-300x88.jpg\" sizes=\"(max-width: 300px) 100vw, 300px\" srcset=\"https:\/\/law.asia\/wp-content\/uploads\/2019\/03\/Jingtian-Gongcheng-Logo-300x88.jpg 300w, https:\/\/cdn.law.asia\/wp-content\/uploads\/2019\/03\/Jingtian-Gongcheng-Logo-768x224.jpg 768w, https:\/\/cdn.law.asia\/wp-content\/uploads\/2019\/03\/Jingtian-Gongcheng-Logo-1024x299.jpg 1024w, https:\/\/cdn.law.asia\/wp-content\/uploads\/2019\/03\/Jingtian-Gongcheng-Logo-696x203.jpg 696w, 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