银行破产管理人制度研究

发布时间：2019-04-02 14:39

【摘要】：商业银行在新中国成立之后已经有六十多年的历史,从最初的没收官僚资本建立的中国银行、农业合作银行和交通银行起,由于银行从未出现过破产危机,因而在普通大众心中,银行是永远不会倒闭的,但是银行作为市场经济的主体,其一定要经历“从生到死“的过程,尤其考虑到银行这样一个十分特殊的市场主体,其正常运转对整个市场经济有着举足轻重的作用,随着我国《存款保险条例》的出台,我国银行破产制度改革的序幕正式拉开,持续半个世纪之多的银行不破产的局面也将开启改革之旅,“银行不倒”的局面也将面临终结。恰逢我国经济增速下滑,经济结构转型的时期,银行破产制度改革对我国优化经济质量,提高金融稳定以及促进经济发展都有着十分重要的作用。银行一直是产生金融风险的重要主体,因为它的最大特点是负债经营,其资产除少部分来源于自有资金外,其他绝大部分都是通过负债的形式筹集到的。银行的破产牵涉到多方的利益,破产资产的管理更是十分重要的一环,而破产管理人的选任方法、法律地位和权力安排是银行破产顺利进行的关键,值得注意的是,银行破产管理人制度研究的并不是静态的“管理人”的问题,其真正需要研究的是在不同的破产阶段,如何授予管理人不同的管理权力以及是否有创造性地制度安排以满足银行破产的需要的问题,考虑到我国迄今为止的银行破产事件寥寥无几,而破产管理人制度又是一门实践性强过理论性的学问,故本文以破产管理人制度构建为切入点,采取了比较分析、归纳总结的研究方法,首先从一般理论入手,对银行破产管理人制度的内涵、特殊性、法律框架和学说理论进行综述,然后按照银行破产管理的程序,对世界各国的银行接管人制度、破产管理人制度和破产清算人制度进行了详细的分析比较,并总结出了各国立法实践的利弊以及经验教训,最后通过对我国立法现状和破产实践的困境分析,在我国现有法律制度的基础上提出了对我国破产制度改革的若干建议,期望有益于银行金融机构市场退出制度的建立和完善。
[Abstract]:Commercial banks have a history of more than 60 years since the founding of the people's Republic of China. From the initial confiscation of bureaucratic capital to the Bank of China, the Agricultural Cooperation Bank and the Bank of Communications, because the banks have never had a bankruptcy crisis, Therefore, in the minds of the general public, banks will never fail, but as the main body of the market economy, banks must experience the process of "from birth to death", especially considering that banks are such a very special market subject. Its normal operation plays an important role in the whole market economy. With the introduction of the Deposit Insurance regulations in China, the reform of the bank bankruptcy system in China has officially begun. A half-century of non-bankruptcy will also begin a journey to reform and an end to the "bank does not fail" situation. The reform of bank bankruptcy system plays a very important role in optimizing the economic quality, improving the financial stability and promoting the economic development during the period of economic growth decline and economic structure transformation in China. Bank has always been an important subject of financial risk, because its biggest characteristic is debt management. Except a few of its assets come from its own funds, the vast majority of its assets are raised in the form of liabilities. The bankruptcy of the bank involves many interests, and the management of the bankrupt assets is a very important part. The method of selecting and appointing the insolvency administrator, the legal status and the arrangement of power are the keys to the smooth progress of the bank bankruptcy. It is worth noting that, What the bank insolvency administrator system studies is not the static "administrator" problem, what it really needs to study is in different bankruptcy stages. The question of how to entrust managers with different administrative powers and whether there are creative institutional arrangements to meet the needs of bank insolvency, taking into account that there have been very few bank failures in our country so far, The bankruptcy administrator system is a more practical than theoretical knowledge, so this paper takes the construction of bankruptcy administrator system as the starting point, adopts the comparative analysis, summarizes the research method, starts with the general theory, starts with the general theory. This paper summarizes the connotation, particularity, legal framework and theoretical theory of the system of bank insolvency administrator, and then, according to the procedure of bank bankruptcy administration, makes a review of the bank receiver system of various countries in the world. This paper makes a detailed analysis and comparison between bankruptcy administrator system and bankruptcy liquidator system, and summarizes the advantages and disadvantages of legislative practice in various countries, as well as the experience and lessons. Finally, through the analysis of the current situation of legislation and the predicament of bankruptcy practice in our country, On the basis of the existing legal system of our country, this paper puts forward some suggestions on the reform of the bankruptcy system of our country, which is expected to be beneficial to the establishment and perfection of the exit system of the banking and financial institutions' market.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：D922.291.92;D922.281

【相似文献】