货币、市场与《商业银行法》

发布时间：2018-04-25 03:11

本文选题：信息不对称 + 《商业银行法》　；参考：《政法论坛》2015年01期

【摘要】：运用经济学信息不对称的研究方法,建构《商业银行法》的一个法律经济学分析框架,探讨《商业银行法》中的银行准入、经营范围、银行与存款人、银行与借款人、银行与综合经营公司、存款保险等重要制度,界定银行信贷业务、银行服务收费业务、银行资产管理业务等不同业务的法律关系和性质,建立银行与个人、企业、基金公司、证券公司、信托公司、保险公司之间的市场主体行为规则,防范市场风险、信用风险、流动性风险等的发生和传染。法经济学的实证分析方法与法学规范分析方法相结合,提出修改《商业银行法》中滞后制度的建议,用法律制度保障银行的安全与效率。
[Abstract]:By using the research method of asymmetric economic information, this paper constructs a legal and economic analysis framework of Commercial Bank Law, and probes into the bank access, business scope, banks and depositors, banks and borrowers in the Commercial Bank Law. To define the legal relationship and nature of different businesses, such as banks and comprehensive operating companies, deposit insurance, etc., to define the legal relationship and nature of different businesses, such as bank credit business, banking services charging business, bank asset management business, and to establish banks and individuals, enterprises, fund companies, etc. The behavior rules of market subjects between securities companies, trust companies and insurance companies, to prevent the occurrence and contagion of market risk, credit risk, liquidity risk, etc. Combining the empirical analysis method of law and economics with the normative analysis method of law, this paper puts forward the suggestion of amending the lagging system in Commercial Bank Law, and guarantees the safety and efficiency of banks with legal system.
【作者单位】：中国政法大学法和经济学研究中心;
【基金】：作者主持的北京市重点交叉学科“法律与经济”项目北京市教委“法和经济学产学研联合培养研究生基地建设”项目的阶段性成果
【分类号】：D912.28

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