Membrane electrode assembly, fuel cell with the same, and fuel cell generating system

A membrane electrode assembly for a fuel cell comprises a solid polymer electrolyte membrane (13), an anode being formed on one side of the solid polymer electrolyte membrane (13) and containing a catalyst and a solid polymer electrolyte, a cathode being formed on another side of the solid polymer electrolyte membrane (13) and containing a catalyst and a solid polymer electrolyte, an anode gas diffusion layer formed on one side of the anode, and a cathode gas diffusion layer formed on one side of the cathode. In addition, a formic acid oxidation electrode (16) containing palladium and a solid polymer electrolyte is formed between the anode gas diffusion layer and the anode.