全面建构和完善中国商业银行接管制度

发布时间：2018-01-28 22:47

本文关键词： 商业银行接管制度完善　出处：《河北学刊》2012年03期 　论文类型：期刊论文

【摘要】：商业银行表面上是经营货币,但其本质却是经营风险的企业,如经营不当将导致金融风险,因而金融风险具有强烈的传导性。商业银行一旦发生风险,具有较大的破坏性。为使问题银行走出困境,减少由危机带来的巨大伤害,各国确立了很多制度和措施,而问题银行的接管便是其中的一种,它对保护存款人的利益和维护金融体系的安全与稳定发挥着重要作用。在中国,问题银行的接管制度已经初步形成,但还存在一些不足,主要是接管的原因缺乏操作性;接管人的选任机制不健全,职权不够明晰,责任机制缺乏;接管过程中行政权与司法权的协调机制不全面。本文针对上述问题提出了如何使之完善的具体建议。
[Abstract]:The commercial bank is on the surface is the operating currency, but its essence is the enterprise which manages the risk, if the management is improper, will cause the financial risk, therefore the financial risk has the strong conductivity. Once the commercial bank has the risk. In order to make the problem banks get out of the predicament and reduce the great harm caused by the crisis, many countries have established many systems and measures, and the takeover of the problem banks is one of them. It plays an important role in protecting the interests of depositors and safeguarding the security and stability of the financial system. In China, the takeover system of the problem banks has been initially formed, but there are still some shortcomings. The main reason is the lack of maneuverability; The selection and appointment mechanism of the receiver is not perfect, the authority is not clear enough, and the responsibility mechanism is lacking; The coordination mechanism between executive power and judicial power is not comprehensive in the process of taking over.
【作者单位】：中国政法大学刑事司法学院;
【分类号】：D922.281;F832.2
【正文快照】： 商业银行作为市场经营主体,受市场力量的支配,其稳健运行与否以及自身安全关系到一个国家的经济安全,它的破产倒闭会引发存款人对银行体系的信任危机以及金融业的系统性风险,会给社会政治、经济生活带来强烈的负外部性影响。面对银行危机,各国和地区构建了一系列的银行法律制

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