CAJ | 학술논문

作为金融宏观调控的工具之一，最后贷款人制度对防范一个国家金融危机的发生具有重要作用。我国对该制度的理论研究和立法方面均存在诸多缺陷，在实践中产生一系列负面影响。在金融自由化与国际化的背景下，为有效实现最后贷款人制度维护金融系统稳定的社会功能，我国有必要确立“建设性模棱两可”原则、完善最后贷款人制度的要素规定以及构建合理的最后贷款人配套机制。
작위금융굉관조공적공구지일，최후대관인제도대방범일개국가금융위궤적발생구유중요작용。아국대해제도적이론연구화입법방면균존재제다결함，재실천중산생일계렬부면영향。재금융자유화여국제화적배경하，위유효실현최후대관인제도유호금융계통은정적사회공능，아국유필요학립“건설성모릉량가”원칙、완선최후대관인제도적요소규정이급구건합리적최후대관인배투궤제。
As one of financial macro-control tools, the lender of last resort （LOLR） is important in preventing financial crisis. However, there exist several problems in the legislation and theoretical research of China＇s LOLR that affect its practices. In order to effectively safeguard the social financial security, it is necessary to establish the legal system for LOLR in China on the principle of constructive ambiguity, the rational elements of the LOLR law and the reasonable auxiliary system under the trend of financial liberalization and globalization.