本文選題：系統(tǒng)性風險 + 商業(yè)銀行�。� 參考：《北方工業(yè)大學》2017年碩士論文

【摘要】：2008年美國次貸危機引發(fā)了世界范圍內(nèi)的金融危機,各國金融市場都受到了嚴重打擊,各國監(jiān)管當局也開始意識到大型金融機構因系統(tǒng)性風險和道德風險帶來的巨大危害,因此,為預防系統(tǒng)重要性金融機構因"大而不能到"引發(fā)的系統(tǒng)性風險和道德風險,各國監(jiān)管當局相繼推出了生前遺囑制度來防范風險的發(fā)生。生前遺囑又稱為恢復和處置計劃,是金融機構根據(jù)自身經(jīng)營情況在倒閉前向監(jiān)管部門提交的恢復計劃,恢復和處置計劃是確保銀行在面對危機時能夠連續(xù)的提供核心服務;或者在停止這些核心服務時,不對整個金融市場造成嚴重的影響,從而保障銀行經(jīng)營業(yè)務能正常運作的一系列措施。它是銀行在倒閉前安排好未來破產(chǎn)清算時的處理方案,在出現(xiàn)系統(tǒng)性風險的時候能夠通過業(yè)務分拆、破產(chǎn)清算而自行解決問題,它是系統(tǒng)性風險爆發(fā)時的保障,可以說是銀行業(yè)預防風險的最后一道屏障。作為一項嶄新的法律制度,生前遺囑制度尚存在一些問題和不足,比如跨境合作問題、保密問題、風險預測問題等,都還沒有較好的完善措施,因此筆者認為我國要推行生前遺囑制度切不可操之過急。目前,我國商業(yè)銀行在資源的分配、風險管理和投資等方面都發(fā)揮著不可取代的作用,所以,在當前這個金融環(huán)境下,生前遺囑制度在我國金融領域應主要適用于商業(yè)銀行,然后在擴展到民營銀行和其它金融領域。本文詣通過對生前遺囑制度的內(nèi)涵以及國外的執(zhí)行情況的梳理,完善我國商業(yè)銀行推行生前遺囑制度的措施。
[Abstract]:In 2008, the subprime mortgage crisis in the United States triggered a worldwide financial crisis, and the financial markets of all countries were seriously hit. The regulatory authorities of various countries also began to realize the great harm caused by the large financial institutions due to systemic and moral risks. In order to prevent systemic risk and moral hazard caused by systemically important financial institutions, the regulatory authorities of various countries have introduced the living will system to prevent the occurrence of the risk. Living will, also known as recovery and disposal plan, is a recovery plan submitted by financial institutions to the regulatory department before failure according to their own operating conditions. The recovery and disposal plan is to ensure that banks can provide continuous core services in the face of crisis. Or stop these core services, do not have a serious impact on the entire financial market, thereby ensuring that banks can operate a series of measures. It is a solution for banks to arrange for future bankruptcy and liquidation before they fail. When there is a systemic risk, they can solve the problem by way of business break-up and bankruptcy liquidation. It is the safeguard of the outbreak of systemic risk. It can be said to be the last barrier to risk prevention in the banking industry. As a new legal system, there are still some problems and shortcomings in the system of living wills, such as cross-border cooperation, confidentiality, risk forecasting and so on. Therefore the author thinks that our country must carry out the living will system must not act too hastily. At present, commercial banks in China play an irreplaceable role in resource allocation, risk management and investment. Therefore, under the current financial environment, the living will system should be mainly applied to commercial banks in the financial field of our country. Then in the expansion to private banks and other areas of finance. Through the analysis of the connotation of the living will system and the implementation of foreign countries, this paper consummates the measures of carrying out the living will system in Chinese commercial banks.
【學位授予單位】：北方工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：D922.28;D923.5

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