【摘要】：在過去近百年間，全球先后發(fā)生過三次大規(guī)模的銀行并購浪潮，銀行并購已經(jīng)成為金融機構(gòu)危機處理、擴大經(jīng)營規(guī)模、拓寬經(jīng)營邊界、改善財務(wù)狀況的重要捷徑。上世紀90年代以來，在全球銀行如火如荼并購的大背景下，，我國也發(fā)生了若干起銀行并購的事件，縱觀我國商業(yè)銀行并購的案例，銀行并購行為在近幾年才較頻繁，商業(yè)銀行的發(fā)展確實令人欣喜，但缺乏法律的有效規(guī)制和保障卻讓我們對未來我國商業(yè)銀行并購的發(fā)展擔(dān)憂。 市場經(jīng)濟是法治經(jīng)濟，商業(yè)銀行并購作為一種市場行為，必須遵守市場法則。然而，與西方發(fā)達國家相比，我國尚未對銀行并購活動建立起一套完整有效的商業(yè)銀行并購法律制度。隨著我國金融業(yè)全面開放期限的到來，我國銀行業(yè)將面臨國外銀行并購的激烈挑戰(zhàn)。因此，如何通過完善我國商業(yè)銀行并購的法律制度，來促進并購市場有序競爭、資源合理配置、防范金融風(fēng)險已成為我國金融業(yè)亟待解決的實際問題。 盡管國內(nèi)許多學(xué)者對此研究頗多，但大都立足于經(jīng)濟學(xué)的基礎(chǔ)上，系統(tǒng)的法學(xué)研究很少見。鑒于此，筆者以“我國商業(yè)銀行并購法律規(guī)制研究”為題，從法學(xué)的角度對我國商業(yè)銀行并購法律規(guī)制中存在的問題進行探討。本文首先運用解釋學(xué)的方法對商業(yè)銀行并購行為進行了概述，具體闡述了商業(yè)銀行并購的概念、特征、類型、動因等問題。在此基礎(chǔ)上，通過歷史分析法、實證研究法闡述我國商業(yè)銀行并購的歷程，并從中總結(jié)和歸納出我國商業(yè)銀行并購過程中存在的問題，由此引出我國目前商業(yè)銀行并購立法的現(xiàn)狀及其不足。最后，通過對發(fā)達國家商業(yè)銀行并購的法律規(guī)制進行比較分析，結(jié)合我國具體國情，建議遵循公平、自由和安全的原則，制定我國《商業(yè)銀行并購條例》，待條件成熟后，提高法律位階，制定我國《商業(yè)銀行并購法》；明確我國商業(yè)銀行反壟斷執(zhí)法機構(gòu)及其權(quán)限，完善我國《反壟斷法》；對外資并購我國商業(yè)銀行的壟斷行為進行規(guī)制，以維護我國金融業(yè)穩(wěn)定與安全，提升商業(yè)銀行的核心競爭力。
[Abstract]:In the past hundred years, there have been three large-scale bank M & A waves in the world. Bank M & A has become an important shortcut for financial institutions to deal with crisis, expand the scale of operation, broaden the operating boundary and improve the financial situation. Since the 1990s, under the background of the global banking mergers and acquisitions, there have also been a number of M & A events in China. Looking at the cases of commercial banks M & A in our country, the bank M & A behavior has been more frequent in recent years. The development of commercial banks is indeed gratifying, but the lack of effective regulation and protection of the law makes us worry about the development of mergers and acquisitions of commercial banks in China in the future. Market economy is an economy ruled by law. As a kind of market behavior, commercial bank M & A must abide by market rules. However, compared with the western developed countries, China has not yet established a complete and effective legal system of commercial bank M & A. With the arrival of the full opening term of China's financial industry, China's banking industry will face the fierce challenge of foreign bank mergers and acquisitions. Therefore, how to perfect the legal system of M & A of commercial banks in our country to promote the orderly competition of M & A market, the rational allocation of resources and the prevention of financial risks have become the practical problems to be solved urgently in China's financial industry. Although there are many scholars in China, most of them are based on economics, and systematic legal studies are rare. In view of this, the author discusses the problems existing in the legal regulation of mergers and acquisitions of commercial banks in China from the point of view of law, with the title of "study on the legal regulation of mergers and acquisitions of commercial banks in China". In this paper, we use hermeneutical method to summarize the M & A behavior of commercial banks, and explain the concept, characteristics, types, motivation of M & A of commercial banks in detail. On this basis, through the historical analysis method, the empirical research on the course of mergers and acquisitions of commercial banks in China, and summed up and summarized the existing problems in the process of mergers and acquisitions of commercial banks in China. This leads to the current situation and deficiencies of the merger and acquisition legislation of commercial banks in China. Finally, through the comparative analysis of the legal regulation of commercial bank M & A in developed countries, combined with the specific conditions of our country, it is suggested that we should follow the principles of fairness, freedom and security, and formulate our country's regulations on M & A of Commercial Banks, after the conditions are ripe. To raise the legal rank, to formulate the "Commercial Bank M & A Law" of our country; to clarify the anti-monopoly law enforcement agencies and their powers of commercial banks in China; to improve the "Anti-monopoly Law" of China; to regulate the monopoly behavior of foreign capital mergers and acquisitions of commercial banks in China; In order to maintain the stability and security of our financial industry, enhance the core competitiveness of commercial banks.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：D922.294;D922.287;D922.291.91

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本文編號：2213486