我国《商业银行法》对外投资规则的局限性及完善

发布时间：2018-01-06 06:03

本文关键词：我国《商业银行法》对外投资规则的局限性及完善　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国《商业银行法》自1995年5月颁布,2003年12月修订,可以说是在市场经济的潮流中诞生的,经过多年的发展与改革,金融市场风起云涌,特别是我国加入WTO后,银行逐渐对外开放,许多变化未能在这部法律中得到体现,最为明显的是在对外投资方面,商业银行的对外投资问题,一直为各国银行法所关注,尤其是主张分业经营以及有限度分业经营的国家和地区立法更加强调规范商业银行对外投资问题。我国《商业银行法》也对商业银行对外投资作了规范,但是甚为简单,而且现实的商业银行经营实践与立法预期有较大反差,法条在诸多现实环境中停留于纸上。这固然与执法环境有关系,但是与立法本身的不合理、不科学,乃至可执行性有欠缺有密切关系。作者在比较世界各国关于商业银行对外投资的法律规制的有关规定的基础上,主要是通过综合比较的方法找出最适合我国现状的法律规定；其次,在写作的过程中重视银行实务,结合我国商业银行对外投资的第一手资料,对业务过程进行较为详细的介绍和分析,关注操作中存在的法律问题；最后,针对我国的法制环境,结合商业银行对外投资的经验及其发展趋势,提出了完善商业银行对外投资的可行性对策。
[Abstract]:The Commercial Bank Law of our country has been promulgated since May 1995 and revised on December 2003. It can be said that it was born in the trend of market economy. After years of development and reform, the financial market is surging. Especially after China's entry into WTO, banks have gradually opened to the outside world. Many changes have not been reflected in this law. The most obvious one is the foreign investment of commercial banks. Has been concerned by the banking laws of various countries. In particular, the national and regional legislation which advocates the separation of business and the limited separation of business has put more emphasis on standardizing the foreign investment of commercial banks, and the Commercial Bank Law of China has also regulated the foreign investment of commercial banks. However, it is very simple, and the actual commercial bank business practice and legislative expectations have a big contrast, the law in a lot of real environment stay on paper, which is certainly related to the law enforcement environment. However, it is closely related to the unreasonable, unscientific and even executable of the legislation itself. On the basis of comparing the laws and regulations on the foreign investment of commercial banks in the world, the author finds out the most suitable laws and regulations for the present situation of our country by means of comprehensive comparison. Secondly, in the process of writing, attach importance to the banking practice, combining with the first-hand information of foreign investment of commercial banks in our country, introduce and analyze the business process in detail, pay attention to the legal problems existing in the operation; Finally, according to the legal environment of our country, combined with the experience and development trend of commercial banks' foreign investment, the paper puts forward the feasible countermeasures to perfect commercial banks' foreign investment.
【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281

【参考文献】