司法视野下国有商业银行不良资产处置的法律思考

发布时间：2018-02-19 23:40

本文关键词： 司法视野国有商业银行金融资产管理公司不良资产处置　出处：《西北大学》2015年硕士论文　论文类型：学位论文

【摘要】：作为仅有二十年基础的国有商业银行不良资产处置,经历了政策性处置与市场化处置的两个阶段,处置的手段也从完全依赖行政手段过渡到以行政立法与司法来弥补法律方面的空白。然而,单纯靠国务院《金融资产管理公司条例》及最高院的司法解释,显然已经不能满足日新月异的金融发展需求。同时,由于不良资产处置的专业性和学科交叉的特征,人民法院在审理国有商业银行不良资产纠纷时存在理解与适用不统一的情形。因此,本文从银行不良资产的历史回顾着手,对国有商业银行不良资产的产生,现状,及司法处置的基本情况进行了全面介绍。在体现司法视野方面,从不良资产处置的几个关键性问题出发,进一步明确主体之间的法律关系,确定转让合同效力的认定原则,并创新性提出引入射幸合同的法律规制原则来防范转让合同目的实现方面的风险。这一观点的提出一方面有助于突出银行不良资产纠纷的专属特征,并与一般借款纠纷相区别,另一方面在给予非金融机构受让人平等保护方面亦有广泛的实践意义。此外,在处置的具体司法程序方面,罗列了包括审判、执行中的若干典型性问题,并提出了解决对策。尤其在信息披露和司法审查方面参考了破产程序中的一些好的做法,借以增强不良资产处置中的透明度。司法实践即是为立法提供充足的素材与宝贵的经验,本文归纳总结的问题与对策,相信能促进国有商业银行不良资产处置在立法方面的进一步完善。
[Abstract]:The disposal of non-performing assets of state-owned commercial banks, which is the foundation of only 20 years, has gone through two stages: policy disposal and market-oriented disposal. The means of disposal have also shifted from relying entirely on administrative means to making up the gaps in law with administrative legislation and judicature. However, only relying on the Financial Asset Management Company regulations of the State Council and the judicial interpretation of the Supreme Court, Obviously, it has not been able to meet the ever-changing demand for financial development. At the same time, due to the professional nature and interdisciplinary characteristics of the disposal of non-performing assets, When the people's court tries the dispute of non-performing assets of state-owned commercial banks, there exists the situation that the understanding and application are not unified. Therefore, this paper starts with the history of non-performing assets of the banks, and discusses the production and present situation of the non-performing assets of state-owned commercial banks. And the basic situation of judicial disposal is introduced in an all-round way. In the aspect of reflecting judicial vision, starting from several key problems in the disposal of non-performing assets, it further clarifies the legal relationship between the subjects, and determines the principle of determining the validity of the transfer contract. On the one hand, it is helpful to highlight the exclusive characteristics of the non-performing assets dispute of banks, and it is different from the common loan dispute, and the legal regulation principle of lucky contract is introduced to guard against the risk of the realization of the purpose of the transfer contract on the one hand. On the other hand, it has extensive practical significance in granting equal protection to assignees of non-financial institutions. In addition, in the context of the specific judicial procedures to be dealt with, a number of typical issues, including trials and enforcement, are listed, In particular, some good practices in insolvency proceedings have been referred to in terms of information disclosure and judicial review. Judicial practice is to provide sufficient material and valuable experience for legislation. Believe can promote the state-owned commercial banks to deal with non-performing assets in the further improvement of legislation.
【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】：D922.28

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