商业银行生前遗嘱法律制度研究

发布时间：2018-06-07 19:04

本文选题：系统性风险 + 商业银行　；参考：《北方工业大学》2017年硕士论文

【摘要】：2008年美国次贷危机引发了世界范围内的金融危机,各国金融市场都受到了严重打击,各国监管当局也开始意识到大型金融机构因系统性风险和道德风险带来的巨大危害,因此,为预防系统重要性金融机构因"大而不能到"引发的系统性风险和道德风险,各国监管当局相继推出了生前遗嘱制度来防范风险的发生。生前遗嘱又称为恢复和处置计划,是金融机构根据自身经营情况在倒闭前向监管部门提交的恢复计划,恢复和处置计划是确保银行在面对危机时能够连续的提供核心服务;或者在停止这些核心服务时,不对整个金融市场造成严重的影响,从而保障银行经营业务能正常运作的一系列措施。它是银行在倒闭前安排好未来破产清算时的处理方案,在出现系统性风险的时候能够通过业务分拆、破产清算而自行解决问题,它是系统性风险爆发时的保障,可以说是银行业预防风险的最后一道屏障。作为一项崭新的法律制度,生前遗嘱制度尚存在一些问题和不足,比如跨境合作问题、保密问题、风险预测问题等,都还没有较好的完善措施,因此笔者认为我国要推行生前遗嘱制度切不可操之过急。目前,我国商业银行在资源的分配、风险管理和投资等方面都发挥着不可取代的作用,所以,在当前这个金融环境下,生前遗嘱制度在我国金融领域应主要适用于商业银行,然后在扩展到民营银行和其它金融领域。本文诣通过对生前遗嘱制度的内涵以及国外的执行情况的梳理,完善我国商业银行推行生前遗嘱制度的措施。
[Abstract]:In 2008, the subprime mortgage crisis in the United States triggered a worldwide financial crisis, and the financial markets of all countries were seriously hit. The regulatory authorities of various countries also began to realize the great harm caused by the large financial institutions due to systemic and moral risks. In order to prevent systemic risk and moral hazard caused by systemically important financial institutions, the regulatory authorities of various countries have introduced the living will system to prevent the occurrence of the risk. Living will, also known as recovery and disposal plan, is a recovery plan submitted by financial institutions to the regulatory department before failure according to their own operating conditions. The recovery and disposal plan is to ensure that banks can provide continuous core services in the face of crisis. Or stop these core services, do not have a serious impact on the entire financial market, thereby ensuring that banks can operate a series of measures. It is a solution for banks to arrange for future bankruptcy and liquidation before they fail. When there is a systemic risk, they can solve the problem by way of business break-up and bankruptcy liquidation. It is the safeguard of the outbreak of systemic risk. It can be said to be the last barrier to risk prevention in the banking industry. As a new legal system, there are still some problems and shortcomings in the system of living wills, such as cross-border cooperation, confidentiality, risk forecasting and so on. Therefore the author thinks that our country must carry out the living will system must not act too hastily. At present, commercial banks in China play an irreplaceable role in resource allocation, risk management and investment. Therefore, under the current financial environment, the living will system should be mainly applied to commercial banks in the financial field of our country. Then in the expansion to private banks and other areas of finance. Through the analysis of the connotation of the living will system and the implementation of foreign countries, this paper consummates the measures of carrying out the living will system in Chinese commercial 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】：D922.28;D923.5

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