【摘要】：上世紀(jì)80年代起,世界多國開始不斷出現(xiàn)商業(yè)銀行經(jīng)營失敗而破產(chǎn)的現(xiàn)象,并建立了銀行破產(chǎn)的相關(guān)法律制度,而我國在此方面缺乏相關(guān)法律制度與實踐。商業(yè)銀行與一般企業(yè)一樣同為市場競爭主體,不可避免地會面臨競爭失敗的局面,理應(yīng)以破產(chǎn)之法律方式退出市場。破產(chǎn)標(biāo)準(zhǔn)堪稱破產(chǎn)法的靈魂,而商業(yè)銀行的破產(chǎn)標(biāo)準(zhǔn)于商業(yè)銀行破產(chǎn)法意義重大。大部分國家對于銀行破產(chǎn)除適用一般企業(yè)之破產(chǎn)標(biāo)準(zhǔn)外,考慮到銀行的特殊性還專門建立了監(jiān)管性標(biāo)準(zhǔn)。我國商業(yè)銀行破產(chǎn)標(biāo)準(zhǔn)的規(guī)定適用一般企業(yè)之破產(chǎn)標(biāo)準(zhǔn),較為模糊,缺乏實踐指導(dǎo)性。本文就我國是否該建立商業(yè)銀行特殊的破產(chǎn)標(biāo)準(zhǔn)和如何完善符合國情的商業(yè)銀行特殊的破產(chǎn)標(biāo)準(zhǔn)體系兩個問題展開探討。筆者首先闡述了商業(yè)銀行破產(chǎn)及其破產(chǎn)標(biāo)準(zhǔn)等相關(guān)概念之內(nèi)涵,進而著重分析商業(yè)銀行破產(chǎn)的特點,商業(yè)銀行破產(chǎn)標(biāo)準(zhǔn)于一般企業(yè)破產(chǎn)之標(biāo)準(zhǔn)——流動性標(biāo)準(zhǔn)和資產(chǎn)負債表標(biāo)準(zhǔn)的不適性,以及監(jiān)管性標(biāo)準(zhǔn)之獨特優(yōu)勢,在此基礎(chǔ)上闡明商業(yè)銀行破產(chǎn)標(biāo)準(zhǔn)制度的特殊性。用比較分析法對美國、英國、加拿大等國立法經(jīng)驗予以分析、借鑒。最后在分析我國銀行業(yè)特殊狀況與商業(yè)銀行破產(chǎn)標(biāo)準(zhǔn)的法律制度之不足基礎(chǔ)上,提出對我國商業(yè)銀行特殊破產(chǎn)標(biāo)準(zhǔn)之立法完善,尤其是立法協(xié)調(diào)與監(jiān)管性標(biāo)準(zhǔn)完善的個人建議。
[Abstract]:Since 1980s, many countries in the world began to appear the phenomenon of commercial bank failure and bankruptcy, and established the relevant legal system of bank bankruptcy, but our country lacks the relevant legal system and practice in this respect. Commercial banks, like ordinary enterprises, are the main body of market competition, and inevitably face the situation of failure of competition, so they should withdraw from the market by bankruptcy law. The bankruptcy standard is the soul of the bankruptcy law, and the bankruptcy standard of the commercial bank is of great significance to the bankruptcy law of the commercial bank. In most countries, in addition to the bankruptcy standards of general enterprises, regulatory standards have been established in consideration of the particularity of banks. The bankruptcy standards of commercial banks in China are vague and lack practical guidance. This paper discusses whether China should establish special bankruptcy standards for commercial banks and how to perfect the special bankruptcy standard system of commercial banks in accordance with the national conditions. The author first expounds the connotation of the relevant concepts such as bankruptcy of commercial banks and its bankruptcy standards, and then analyzes the characteristics of bankruptcy of commercial banks. The bankruptcy standard of commercial bank is based on the inappropriateness of liquidity standard and balance sheet standard, and the unique advantage of supervision standard, on the basis of which the particularity of bankruptcy standard system of commercial bank is clarified. This paper analyzes the legislative experience of the United States, Britain, Canada and other countries by means of comparative analysis. Finally, based on the analysis of the special situation of China's banking industry and the insufficiency of the legal system of the bankruptcy standards of commercial banks, the author puts forward some personal suggestions on how to perfect the legislation of the special bankruptcy standards of commercial banks in China, especially the perfection of the legislation coordination and supervision standards.
【學(xué)位授予單位】：南昌大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：D922.281

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6 孫s，

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