法学毕业论文商业银行接管制度的立法评析及完善.docVIP

商业银行接管制度的立法评析及完善 冯安平 ［内容摘要］2001年12月11日，我国正式加入WTO,2006年，外资银行与中资银行享受同等国民待遇，依中国法律经营，依法竞争。在金融业全面开放的潮流中，中国银行业迎来了机遇的同时，面临前所未有的挑战。再加之商业银行的内生脆弱性和外部风险诱发因素决定了现代商业银行发展史几乎就是一部银行危机史。如何应对银行危机，各国大多选择采取危机救助措施，如控制管理、临时管理、接管和财务援助等。2007年次贷危机爆发后，接管制度在全球范围得到重视。商业银行接管是指行政主管机关根据法律授权接收经营有严重问题的银行，全面运营管理该银行，以帮助该银行恢复正常，从而确保整个银行业的安全与稳健的重要监管制度。我国基本上形成了银行接管的法律法规体系。但是，当前的银行接管的法律制度还存在不少缺陷。因此，需要从银行接管的立法、银行接管的具体标准、信息披露制度及司法救济程序等几个方面加以更加明确的规定，以完善我国银行接管法律制度。 ［关键词］商业银行 接管制度 金融市场 银行风险监测 Abstract: Commercial Banks vulnerability of endogenous and external risk factors determine the history of the history of modern commercial bank is almost a banking crisis. How to deal with the banking crisis, most countries choose crisis rescue measures, such as control controlled management, a temporary management provisional administration, takeover receivership and financial aid financial assistance, etc. In 2007 after the outbreak of the subprime crisis, to take over the system around the world. Commercial Banks to take over the refers to the administrative authority is authorized by law to receive business bank has serious problems, comprehensive operation management in the bank, in order to help the bank back to normal, to ensure the safety and soundness of the banking industry important regulatory regime. Basically formed the Banks in China to take over the system of laws and regulations. But the current bank takeover legal system still exists many defects. Therefore, we need to take over from the bank of legislation, the bank took over the specific standards, information disclosure system and the judicial relief procedures such as several parties and be more clearly defined, in order to perfect our legal system of takeover. Key words: Commercial Banks To take over the system The financial markets Banks risk monitoring 2014年3月5日，全国人民代表大会第二次会议，正式通过了放开利率管制，利率由市场决定的提案，这也标志着我国无论是国有银行还是城市商业银行以及其他中小银行都统一纳入进了商业银行的范畴，都必须进入金融市场参与竞争。这一决策最大限度地激活了金融市场，也促使国有银行重新进行战略决策和金融改革。与此同时，利率市场化也是一把双刃剑，我国商业银行不仅面临着竞争对手带来的挑战，同时更面临着经营