当前位置:主页 > 法律论文 > 经济法论文 >

我国民营银行市场准入法律制度研究

发布时间:2018-07-24 13:33
【摘要】:民营银行是我国金融市场的新兴组成部分,成为金融改革的一项重要举措。而作为先导程序的市场准入制度,直接决定着被批准的民营银行发展前景。试点民营银行的运营也需要完善的配套法律制度,目前我国法学界在民营银行市场准入法律制度方面的研究仍然缺少实质意义的成果,理论与实际脱节严重,难以满足实际需要。民营银行目前存在诸多准入障碍,致使其发展道路艰难,主要原因包括规模较小使得抗风险能力差、破产风险高[1]、法律对关联交易监管缺失、准入阶段股东资格审核制度存款保险制度等存在法律空白、股东资格审核的信息不对称等等。[3]当下的目标是完善市场准入法律制度,有利于处于市场劣势地位的民营银行克服众多运营困境。现行开放试点的五家民营银行,为相关市场准入法律制度研究提供了良好的素材。目前其经营总况居于稳定状态,在市场准入阶段经各方审核,资金募集程序合法,组织规范,业务模式趋于成熟。初步具备预警和风险监控机制。不良资产监管到位,基本具备应对相应危机的能力。股东资格审核符合法律标准。同时,我国台湾地区和其他国家银行业关于存款保险制度适用、内部治理结构合法化和监管部门职责完善等内容的研究,为我国民营银行市场准入法律制度构建提供可借鉴的经验。依靠对上述内容的分析,结合我国民营银行发展现状,致力于形成较为完善并有实际操作意义的法律制度方案。民营银行市场准入法律制度构建应当完善制度施行的内外环境。民营银行市场准入阶段制度的法制化,最重要的是完善相关法律制度,构建合理并能够施行的法律规范,完善配套监管制度和措施。第一,明确其定义及服务对象。当前的目标是服务于所在区域的金融市场,即中小型企业及个体工商户作为主要服务对象,避免盲目扩大市场份额。第二,严格法律监管制度,审查经营者的合法性与申请设立对象的业务范围是否符合法律规定。第三,实行分级银行牌照制度。严格股东资格审查和资金来源审核制度。第四,制定和完善银行从业资格标准,对于民营银行管理者和雇员,严格其从业资格,以确保准入之后的运营阶段能够得到具有丰富实践经验的职业经理人的管理保障。第五,完善存款保险制度,确保民营银行在准入之时具备抵御经营危机的能力。第六,明确投资股东甄选机制、构建合理的股权构架。第七,在行政政策方面给予足够的优待。法律制度应当体现出对市场主体行为的引导作用,因此,在民营银行日益发展的今天,法学工作者应当进一步开展准入制度构建的研究,考量现有制度的不足并加以变革,完善配套法律法规,为经济发展提供保障。同时,为长期处于停滞阶段的民营银行理论研究带来新的思想和成果。
[Abstract]:Private bank is a new component of financial market in China, and has become an important measure of financial reform. The market access system, as a leading procedure, directly determines the development prospects of the approved private banks. The operation of the pilot private banks also needs a complete supporting legal system. At present, the research on the market access legal system of private banks in our country still lacks the achievement of substantial significance, and the theoretical and practical disconnection is serious. It is difficult to meet actual needs. At present, there are many barriers to entry of private banks, which make the development of private banks difficult. The main reasons include small scale, poor ability to resist risks, high risk of bankruptcy, lack of legal supervision on related transactions. There are legal gaps in the system of stockholder qualification examination, such as deposit insurance system, information asymmetry in shareholder qualification audit and so on. [3] the current goal is to perfect the legal system of market access. It is advantageous for the private banks in the inferior position of the market to overcome the numerous operating difficulties. The five private banks, which are open to the outside world, provide good materials for the study of the relevant market access legal system. At present, the general condition of its operation is in a stable state. At the stage of market access, the procedure of raising funds is legal, the organization is standardized, and the business model tends to be mature. Preliminary early warning and risk monitoring mechanism. Bad assets supervision is in place, basically have the ability to deal with the corresponding crisis. The stockholder qualification examination conforms to the legal standard. At the same time, the study on the application of deposit insurance system, the legalization of internal governance structure and the perfection of regulatory responsibilities in the banking industry of Taiwan and other countries, It can be used for reference for the construction of market access legal system of private banks in China. Based on the analysis of the above contents and the present situation of the development of the private banks in our country, the author devotes to form a more perfect and practical legal system scheme. The construction of private bank market access legal system should perfect the internal and external environment of system implementation. The most important thing in the legalization of private bank market access system is to perfect the relevant legal system, to construct reasonable and feasible legal norms, and to perfect the supporting supervision system and measures. First, clear definition and service object. The current goal is to serve the financial market in the region, that is, small and medium-sized enterprises and individual industrial and commercial households as the main service object, to avoid blindly expanding market share. Second, strict legal supervision system to examine the legality of operators and the scope of business of the object of application for establishment in accordance with the provisions of the law. Third, the implementation of a hierarchical banking licence system. Strict shareholder qualification examination and capital source audit system. Fourth, we should establish and improve the qualification standards of banks, and strictly enforce their qualifications for managers and employees of private banks, so as to ensure that the professional managers with rich practical experience can manage and guarantee the operation stage after admission. Fifth, improve deposit insurance system to ensure that private banks have the ability to resist management crisis. Sixth, clear investment shareholder selection mechanism, to build a reasonable equity structure. Seventh, give adequate preferential treatment in administrative policy. The legal system should reflect the guiding role to the behavior of the main body of the market. Therefore, with the development of the private banks today, the jurists should further carry out the research on the construction of the access system, consider the shortcomings of the existing system and reform it. Improve supporting laws and regulations to provide protection for economic development. At the same time, it brings new ideas and achievements to the theoretical research of private banks.
【学位授予单位】:北方工业大学
【学位级别】:硕士
【学位授予年份】:2017
【分类号】:D922.281

【参考文献】

相关期刊论文 前10条

1 王秋涵;;我国利率市场化改革风险的法律防范[J];法制与经济;2014年13期

2 石泓;林宇;;美国社区银行对中国民营银行发展的启示[J];金融理论与实践;2014年04期

3 卢福财;张荣鑫;;中国民营银行的设立:现实意义、政策选择与风险防范研究[J];经济与管理研究;2014年04期

4 任祥玉;;民营银行市场退出法律问题研究[J];湖北警官学院学报;2014年03期

5 周民源;;我国台湾地区民营银行的发展路径及对内地的启示[J];金融监管研究;2014年01期

6 周学东;;民间资本发起设立民营银行的思考[J];中国金融;2013年19期

7 吴晓灵;;民营银行的历史机遇[J];中国新闻周刊;2013年35期

8 中国人民银行南京分行金融稳定处课题组;李湘宁;;对民营资本进入银行业的几点思考[J];金融纵横;2013年09期

9 孙勇;余林林;;有关我国商业银行破产法律制度的构建思考[J];时代金融;2012年36期

10 周晓松;李讯;肖翔;;存款保险制度与商业银行退出制度协调机制研究[J];金融评论;2010年06期

相关硕士学位论文 前2条

1 乔晶晶;论民营资本进入银行业的法律监管[D];厦门大学;2009年

2 张薇;我国民营银行准入的问题研究[D];吉林大学;2008年



本文编号:2141542

资料下载
论文发表

本文链接:https://www.wllwen.com/falvlunwen/jingjifalunwen/2141542.html


Copyright(c)文论论文网All Rights Reserved | 网站地图 |

版权申明:资料由用户78495***提供,本站仅收录摘要或目录,作者需要删除请E-mail邮箱bigeng88@qq.com