本文選題：銀行債權(quán)　切入點：成因分析　出處：《北方工業(yè)大學(xué)》2011年碩士論文　論文類型：學(xué)位論文

【摘要】：商業(yè)銀行作為各種市場活動中最重要的金融中介,其經(jīng)營質(zhì)量的好壞不但影響自身的生存和發(fā)展,而且關(guān)系到廣大儲戶的利益和社會穩(wěn)定。商業(yè)銀行作為現(xiàn)代經(jīng)濟的核心,資產(chǎn)質(zhì)量是銀行的生命線。因此,商業(yè)銀行的巨額債權(quán)能否安全收回直接關(guān)系到銀行業(yè)的繁榮和穩(wěn)定,甚至?xí)龻可娴絿业慕?jīng)濟發(fā)展甚至是國家安全。我國現(xiàn)有的法律機制對商業(yè)銀行債權(quán)的保護尚有不足之處,這不僅是我國法治環(huán)境的缺憾,同時也是誘發(fā)銀行業(yè)危機的根源。因此需要從經(jīng)濟法、刑法、民法、商法、訴訟法等多角度、全方位的對銀行債權(quán)進行保護,只有彌補法律上的空白才能為銀行債權(quán)安全提供制度上的保障。為了保障法律制度的功效,還需要加強銀行業(yè)監(jiān)管,一方面要加強銀行自身監(jiān)管機制即規(guī)范銀行內(nèi)部操作行為,另一方面也要完善銀行外部監(jiān)管機制即加強銀監(jiān)會等監(jiān)管機構(gòu)對商業(yè)銀行的監(jiān)管。只有法律制度與銀行監(jiān)管機制的密切配合、相互協(xié)作,才能真正實現(xiàn)我國商業(yè)銀行的繁榮與穩(wěn)定,方收促進國民經(jīng)濟健康發(fā)展之功效。本文寫作的目的就在于探索出一條更好的保護我國商業(yè)銀行債權(quán)的機制模式,在介紹了我國商業(yè)銀行不良債權(quán)成因以及美國、日本的處置銀行不良債權(quán)的成功經(jīng)驗之后,筆者認(rèn)真剖析了我國現(xiàn)行的法律體系對商業(yè)銀行債權(quán)的保護的特點,并分別對其不足之處提出了看法。此外,還對我國銀行外部監(jiān)管以及銀行內(nèi)部監(jiān)管機制提出了諸多合理、可具操作性的建議。希望通過法律體系的完善和銀行監(jiān)管機制的成熟來更好的保護我國銀行業(yè)的安全與穩(wěn)定。
[Abstract]:As the most important financial intermediary in all kinds of market activities, commercial banks not only affect their survival and development, but also the interests of depositors and social stability. Commercial banks are the core of modern economy. The asset quality is the lifeline of the bank. Therefore, whether the huge claims of commercial banks can be recovered safely is directly related to the prosperity and stability of the banking industry. It will even involve the national economic development and even the national security. There are still some deficiencies in the protection of commercial bank's creditor's rights by the existing legal mechanism of our country, which is not only the shortcoming of our country's legal environment. At the same time, it is also the root of the banking crisis. Therefore, it is necessary to protect the bank's creditor's rights from various angles, such as economic law, criminal law, civil law, commercial law, procedural law and so on. Only by filling up the gaps in the law can we provide institutional protection for the security of bank claims. In order to ensure the efficacy of the legal system, we also need to strengthen banking supervision. On the one hand, we must strengthen the bank's own supervisory mechanism, that is, to standardize the bank's internal operational behavior. On the other hand, it is also necessary to improve the external supervision mechanism of banks, that is, to strengthen the supervision of commercial banks by regulatory bodies such as the Banking Regulatory Commission. In order to truly realize the prosperity and stability of commercial banks in China and promote the healthy development of the national economy, the purpose of this paper is to explore a better mechanism to protect the creditor's rights of commercial banks in China. After introducing the causes of non-performing claims of commercial banks in China and the successful experiences of the United States and Japan in dealing with non-performing claims of commercial banks, the author has carefully analyzed the characteristics of the protection of claims of commercial banks under the current legal system of our country. In addition, it also puts forward some reasonable suggestions on the external supervision of Chinese banks and the internal supervision mechanism of banks. It is hoped that the perfection of the legal system and the maturity of the banking supervision mechanism will better protect the security and stability of China's banking industry.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2011
【分類號】：D922.281

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