問(wèn)題外資銀行退市法律制度研究
發(fā)布時(shí)間：2019-07-02 21:13
【摘要】：2008年,美國(guó)爆發(fā)了影響全球金融業(yè)的次貸危機(jī),全球多家著名跨國(guó)銀行及投資公司受到此次金融危機(jī)的影響,破產(chǎn)倒閉,面臨退市。2010年7月21日,奧巴馬總統(tǒng)簽署金融監(jiān)管改革法案《多德——弗蘭克華爾街改革與消費(fèi)者保護(hù)法案》(Dodd—Frank Wall Street Reform and Consumer Protection Act),該法案的通過(guò)勢(shì)必對(duì)美國(guó)甚至全球金融監(jiān)管體系產(chǎn)生重大影響。 加入WTO以后,我國(guó)金融業(yè)與國(guó)際金融市場(chǎng)進(jìn)一步融合,我國(guó)承諾給予國(guó)民待遇,2006年起,中國(guó)銀行業(yè)對(duì)外資開(kāi)放。目前,世界多家跨國(guó)銀行已進(jìn)入中國(guó)金融市場(chǎng),它們的分支機(jī)構(gòu)遍布上海、北京、廣州、深圳、廈門(mén)、天津等沿海地區(qū)。外資銀行逐漸成為我國(guó)金融體系中的重要組成部分。2008年美國(guó)次貸危機(jī)引發(fā)的全球金融危機(jī),對(duì)中國(guó)外資銀行的影響也是不容忽視的,銀行機(jī)構(gòu)解散、撤銷關(guān)閉、破產(chǎn)等現(xiàn)象必將更為普遍,由此引發(fā)的金融風(fēng)險(xiǎn)也必將更為嚴(yán)重。但是我國(guó)問(wèn)題外資銀行退市制度的構(gòu)建還處于初級(jí)階段,現(xiàn)行立法上的缺失,無(wú)法為法院提供一個(gè)完整的、具有可操作性的法律制度框架,一旦這些外資銀行存在經(jīng)營(yíng)風(fēng)險(xiǎn)面臨退市,我國(guó)應(yīng)當(dāng)有相配套的法律制度予以處理,合理地安排陷入困境的外資銀行機(jī)構(gòu)退市已是當(dāng)務(wù)之急。 全文分五部分。首先對(duì)問(wèn)題外資銀行退市制度原理、必要性進(jìn)行探討;其次,以此為理論基礎(chǔ),考察西方國(guó)家問(wèn)題外資銀行退市法律制度的先進(jìn)經(jīng)驗(yàn)以及巴塞爾協(xié)議對(duì)跨國(guó)銀行的監(jiān)管要求,總結(jié)實(shí)踐中的經(jīng)驗(yàn)與教訓(xùn);再次,分析目前我國(guó)問(wèn)題外資銀行退市制度的缺失,就如何完善我國(guó)相關(guān)退市制度提出自己的一些見(jiàn)解,比如,解決破產(chǎn)法的域外效力問(wèn)題,合理確定母國(guó)與東道國(guó)政府及監(jiān)管機(jī)構(gòu)在外資銀行退市中的作用。最后,總結(jié)前人研究成果的基礎(chǔ)上,對(duì)建立我國(guó)問(wèn)題外資銀行退市的配套制度作出系統(tǒng)的安排,在建立適合我國(guó)國(guó)情的存款保險(xiǎn)制度,完善區(qū)別對(duì)待的最后貸款人制度等方面提出建設(shè)性意見(jiàn)。試圖提出完善問(wèn)題外資銀行退市法律制度的可行建議,建立一個(gè)符合WTO規(guī)則的外資銀行退市法律制度。
[Abstract]:In 2008, the subprime mortgage crisis affecting the global financial industry broke out in the United States. A number of famous multinational banks and investment companies around the world were affected by the financial crisis, went bankrupt and faced delisting. On July 21, 2010, President Obama signed the Financial Regulatory Reform Act "Dode-Frank Wall Street Reform and Consumer Protection Act" (Dodd-Frank Wall Street Reform and Consumer Protection Act),). The passage of the bill is bound to have a significant impact on the United States and even the global financial regulatory system. After China's entry into WTO, China's financial industry has been further integrated with the international financial market, and China has promised to give national treatment. Since 2006, China's banking industry has been open to foreign investment. At present, many multinational banks in the world have entered the Chinese financial market, and their branches are located in Shanghai, Beijing, Guangzhou, Shenzhen, Xiamen, Tianjin and other coastal areas. Foreign banks have gradually become an important part of China's financial system. The global financial crisis caused by the subprime mortgage crisis in the United States in 2008 can not be ignored, the dissolution of banking institutions, the abolition of closure, bankruptcy and other phenomena will be more common, and the resulting financial risks will be more serious. However, the construction of delisting system of foreign banks in our country is still in its infancy, and the lack of current legislation can not provide a complete and operable legal system framework for the court. Once these foreign banks face delisting at risk of operation, China should have a matching legal system to deal with it. It is urgent to arrange the delisting of foreign banks in trouble. The full text is divided into five parts. First of all, this paper discusses the principle and necessity of delisting system of problem foreign banks, secondly, on the basis of this theory, it investigates the advanced experience of delisting legal system of problem foreign banks in western countries and the supervision requirements of Basle Agreement for transnational banks, and summarizes the experience and lessons in practice. Thirdly, this paper analyzes the lack of delisting system of foreign banks in our country at present, and puts forward some opinions on how to perfect the delisting system of our country, such as solving the problem of extraterritorial effect of bankruptcy law, and reasonably determining the role of home country and host government and regulatory institutions in delisting of foreign banks. Finally, on the basis of summing up the previous research results, this paper makes systematic arrangements for the establishment of the supporting system of delisting of foreign banks in China, and puts forward some constructive suggestions on the establishment of deposit insurance system suitable for the national conditions of our country and the improvement of the lender of last resort system of differential treatment. This paper tries to put forward some feasible suggestions to perfect the delisting legal system of foreign banks and establish a delisting legal system of foreign banks in accordance with WTO rules.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D996.2;D922.28
[Abstract]:In 2008, the subprime mortgage crisis affecting the global financial industry broke out in the United States. A number of famous multinational banks and investment companies around the world were affected by the financial crisis, went bankrupt and faced delisting. On July 21, 2010, President Obama signed the Financial Regulatory Reform Act "Dode-Frank Wall Street Reform and Consumer Protection Act" (Dodd-Frank Wall Street Reform and Consumer Protection Act),). The passage of the bill is bound to have a significant impact on the United States and even the global financial regulatory system. After China's entry into WTO, China's financial industry has been further integrated with the international financial market, and China has promised to give national treatment. Since 2006, China's banking industry has been open to foreign investment. At present, many multinational banks in the world have entered the Chinese financial market, and their branches are located in Shanghai, Beijing, Guangzhou, Shenzhen, Xiamen, Tianjin and other coastal areas. Foreign banks have gradually become an important part of China's financial system. The global financial crisis caused by the subprime mortgage crisis in the United States in 2008 can not be ignored, the dissolution of banking institutions, the abolition of closure, bankruptcy and other phenomena will be more common, and the resulting financial risks will be more serious. However, the construction of delisting system of foreign banks in our country is still in its infancy, and the lack of current legislation can not provide a complete and operable legal system framework for the court. Once these foreign banks face delisting at risk of operation, China should have a matching legal system to deal with it. It is urgent to arrange the delisting of foreign banks in trouble. The full text is divided into five parts. First of all, this paper discusses the principle and necessity of delisting system of problem foreign banks, secondly, on the basis of this theory, it investigates the advanced experience of delisting legal system of problem foreign banks in western countries and the supervision requirements of Basle Agreement for transnational banks, and summarizes the experience and lessons in practice. Thirdly, this paper analyzes the lack of delisting system of foreign banks in our country at present, and puts forward some opinions on how to perfect the delisting system of our country, such as solving the problem of extraterritorial effect of bankruptcy law, and reasonably determining the role of home country and host government and regulatory institutions in delisting of foreign banks. Finally, on the basis of summing up the previous research results, this paper makes systematic arrangements for the establishment of the supporting system of delisting of foreign banks in China, and puts forward some constructive suggestions on the establishment of deposit insurance system suitable for the national conditions of our country and the improvement of the lender of last resort system of differential treatment. This paper tries to put forward some feasible suggestions to perfect the delisting legal system of foreign banks and establish a delisting legal system of foreign banks in accordance with WTO rules.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2011
【分類號(hào)】：D996.2;D922.28
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