我国商业银行授信业务中的法律问题与对策

发布时间：2018-02-16 01:29

本文关键词： 商业银行授信法律研究　出处：《西北大学》2015年硕士论文　论文类型：学位论文

【摘要】：我国国民经济的快速增长,带动了商业银行的授信业务发展。商业银行开展授信业务既是推动自身发展的需要,也是商业银行作为企业要承担的社会责任的需要。依法规范商业银行授信工作对于维护社会经济秩序稳定,确保银行授信业务风险可控具有重要的意义。但是,由于长期以来受计划经济的影响以及我国法制体系不健全的影响,我国商业银行的授信法律问题一直是制约授信业务开展的瓶颈问题。在党的十八大提出“市场在资源配置中起决定性作用”的重要理论后,商业银行面临的发展环境也将发生改变,研究商业银行授信中的法律问题的紧迫性、必要性也更加凸显。本文在研究的过程中通过理论分析、案例分析的方法,对商业银行授信的法律问题进行了研究。首先绪论部分重点论述了选题的背景意义、研究方法内容等,对论文研究进行总体规划及理论阐释,通过对一些概念的论述,为论文的研究做了理论上的准备。第二部分重点对商业银行授信过程中涉及的法律问题进行了分析,从商业银行的授信流程,到对立法现状、制式合同与担保中的法律问题、及债权保全和清偿中的法律问题进行了系统论述,并指出存在不足。文章后半部分通过较大篇幅从立法完善、制式合同法律完善、担保法律完善以及授信债权保全和清偿法律完善等方面入手,提出了有针对性的完善意见和建议。
[Abstract]:The rapid growth of China's national economy has led to the development of the credit business of commercial banks. It is also the need for commercial banks to undertake social responsibilities as enterprises. It is of great significance to standardize the credit granting work of commercial banks according to law to maintain the stability of social economic order and ensure that the risks of bank credit business can be controlled. However, Because of the influence of planned economy for a long time and the imperfect legal system of our country, The legal issue of credit in Chinese commercial banks has always been the bottleneck problem that restricts the development of credit business. After the 18 Party Congress put forward the important theory that "the market plays a decisive role in the allocation of resources", The development environment faced by commercial banks will also be changed, and the urgency and necessity of studying the legal issues in the granting of credit to commercial banks will become more prominent. In the course of the research, this paper adopts the methods of theoretical analysis and case analysis. The first part of the introduction focuses on the background significance of the topic, research methods and so on, the overall planning and theoretical interpretation of the paper, through the discussion of some concepts, The second part focuses on the analysis of the legal issues involved in the credit granting process of commercial banks, from the credit flow of commercial banks to the current legislative situation, the legal issues in standard contracts and guarantees. And the legal problems in the preservation and settlement of creditor's rights are systematically discussed, and the shortcomings are pointed out. The second half of the article is from the legislative perfection, the legal perfection of the standard contract, the second half of the article. Starting with the perfection of the guarantee law, the preservation of credit rights and the perfection of the liquidation law, this paper puts forward some suggestions and suggestions.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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