论商业银行的破产标准
发布时间：2018-08-02 11:28
【摘要】：上世纪80年代起,世界多国开始不断出现商业银行经营失败而破产的现象,并建立了银行破产的相关法律制度,而我国在此方面缺乏相关法律制度与实践。商业银行与一般企业一样同为市场竞争主体,不可避免地会面临竞争失败的局面,理应以破产之法律方式退出市场。破产标准堪称破产法的灵魂,而商业银行的破产标准于商业银行破产法意义重大。大部分国家对于银行破产除适用一般企业之破产标准外,考虑到银行的特殊性还专门建立了监管性标准。我国商业银行破产标准的规定适用一般企业之破产标准,较为模糊,缺乏实践指导性。本文就我国是否该建立商业银行特殊的破产标准和如何完善符合国情的商业银行特殊的破产标准体系两个问题展开探讨。笔者首先阐述了商业银行破产及其破产标准等相关概念之内涵,进而着重分析商业银行破产的特点,商业银行破产标准于一般企业破产之标准——流动性标准和资产负债表标准的不适性,以及监管性标准之独特优势,在此基础上阐明商业银行破产标准制度的特殊性。用比较分析法对美国、英国、加拿大等国立法经验予以分析、借鉴。最后在分析我国银行业特殊状况与商业银行破产标准的法律制度之不足基础上,提出对我国商业银行特殊破产标准之立法完善,尤其是立法协调与监管性标准完善的个人建议。
[Abstract]:Since 1980s, many countries in the world began to appear the phenomenon of commercial bank failure and bankruptcy, and established the relevant legal system of bank bankruptcy, but our country lacks the relevant legal system and practice in this respect. Commercial banks, like ordinary enterprises, are the main body of market competition, and inevitably face the situation of failure of competition, so they should withdraw from the market by bankruptcy law. The bankruptcy standard is the soul of the bankruptcy law, and the bankruptcy standard of the commercial bank is of great significance to the bankruptcy law of the commercial bank. In most countries, in addition to the bankruptcy standards of general enterprises, regulatory standards have been established in consideration of the particularity of banks. The bankruptcy standards of commercial banks in China are vague and lack practical guidance. This paper discusses whether China should establish special bankruptcy standards for commercial banks and how to perfect the special bankruptcy standard system of commercial banks in accordance with the national conditions. The author first expounds the connotation of the relevant concepts such as bankruptcy of commercial banks and its bankruptcy standards, and then analyzes the characteristics of bankruptcy of commercial banks. The bankruptcy standard of commercial bank is based on the inappropriateness of liquidity standard and balance sheet standard, and the unique advantage of supervision standard, on the basis of which the particularity of bankruptcy standard system of commercial bank is clarified. This paper analyzes the legislative experience of the United States, Britain, Canada and other countries by means of comparative analysis. Finally, based on the analysis of the special situation of China's banking industry and the insufficiency of the legal system of the bankruptcy standards of commercial banks, the author puts forward some personal suggestions on how to perfect the legislation of the special bankruptcy standards of commercial banks in China, especially the perfection of the legislation coordination and supervision standards.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281
[Abstract]:Since 1980s, many countries in the world began to appear the phenomenon of commercial bank failure and bankruptcy, and established the relevant legal system of bank bankruptcy, but our country lacks the relevant legal system and practice in this respect. Commercial banks, like ordinary enterprises, are the main body of market competition, and inevitably face the situation of failure of competition, so they should withdraw from the market by bankruptcy law. The bankruptcy standard is the soul of the bankruptcy law, and the bankruptcy standard of the commercial bank is of great significance to the bankruptcy law of the commercial bank. In most countries, in addition to the bankruptcy standards of general enterprises, regulatory standards have been established in consideration of the particularity of banks. The bankruptcy standards of commercial banks in China are vague and lack practical guidance. This paper discusses whether China should establish special bankruptcy standards for commercial banks and how to perfect the special bankruptcy standard system of commercial banks in accordance with the national conditions. The author first expounds the connotation of the relevant concepts such as bankruptcy of commercial banks and its bankruptcy standards, and then analyzes the characteristics of bankruptcy of commercial banks. The bankruptcy standard of commercial bank is based on the inappropriateness of liquidity standard and balance sheet standard, and the unique advantage of supervision standard, on the basis of which the particularity of bankruptcy standard system of commercial bank is clarified. This paper analyzes the legislative experience of the United States, Britain, Canada and other countries by means of comparative analysis. Finally, based on the analysis of the special situation of China's banking industry and the insufficiency of the legal system of the bankruptcy standards of commercial banks, the author puts forward some personal suggestions on how to perfect the legislation of the special bankruptcy standards of commercial banks in China, especially the perfection of the legislation coordination and supervision standards.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：D922.281
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