本文關(guān)鍵詞：我國《商業(yè)銀行法》對外投資規(guī)則的局限性及完善　出處：《中南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 商業(yè)銀行法 對外投資 國際比較 局限 完善

【摘要】：我國《商業(yè)銀行法》自1995年5月頒布,2003年12月修訂,可以說是在市場經(jīng)濟(jì)的潮流中誕生的,經(jīng)過多年的發(fā)展與改革,金融市場風(fēng)起云涌,特別是我國加入WTO后,銀行逐漸對外開放,許多變化未能在這部法律中得到體現(xiàn),最為明顯的是在對外投資方面,商業(yè)銀行的對外投資問題,一直為各國銀行法所關(guān)注,尤其是主張分業(yè)經(jīng)營以及有限度分業(yè)經(jīng)營的國家和地區(qū)立法更加強(qiáng)調(diào)規(guī)范商業(yè)銀行對外投資問題。我國《商業(yè)銀行法》也對商業(yè)銀行對外投資作了規(guī)范,但是甚為簡單,而且現(xiàn)實(shí)的商業(yè)銀行經(jīng)營實(shí)踐與立法預(yù)期有較大反差,法條在諸多現(xiàn)實(shí)環(huán)境中停留于紙上。這固然與執(zhí)法環(huán)境有關(guān)系,但是與立法本身的不合理、不科學(xué),乃至可執(zhí)行性有欠缺有密切關(guān)系。 作者在比較世界各國關(guān)于商業(yè)銀行對外投資的法律規(guī)制的有關(guān)規(guī)定的基礎(chǔ)上,主要是通過綜合比較的方法找出最適合我國現(xiàn)狀的法律規(guī)定；其次,在寫作的過程中重視銀行實(shí)務(wù),結(jié)合我國商業(yè)銀行對外投資的第一手資料,對業(yè)務(wù)過程進(jìn)行較為詳細(xì)的介紹和分析,關(guān)注操作中存在的法律問題；最后,針對我國的法制環(huán)境,結(jié)合商業(yè)銀行對外投資的經(jīng)驗及其發(fā)展趨勢,提出了完善商業(yè)銀行對外投資的可行性對策。
[Abstract]:The Commercial Bank Law of our country has been promulgated since May 1995 and revised on December 2003. It can be said that it was born in the trend of market economy. After years of development and reform, the financial market is surging. Especially after China's entry into WTO, banks have gradually opened to the outside world. Many changes have not been reflected in this law. The most obvious one is the foreign investment of commercial banks. Has been concerned by the banking laws of various countries. In particular, the national and regional legislation which advocates the separation of business and the limited separation of business has put more emphasis on standardizing the foreign investment of commercial banks, and the Commercial Bank Law of China has also regulated the foreign investment of commercial banks. However, it is very simple, and the actual commercial bank business practice and legislative expectations have a big contrast, the law in a lot of real environment stay on paper, which is certainly related to the law enforcement environment. However, it is closely related to the unreasonable, unscientific and even executable of the legislation itself. On the basis of comparing the laws and regulations on the foreign investment of commercial banks in the world, the author finds out the most suitable laws and regulations for the present situation of our country by means of comprehensive comparison. Secondly, in the process of writing, attach importance to the banking practice, combining with the first-hand information of foreign investment of commercial banks in our country, introduce and analyze the business process in detail, pay attention to the legal problems existing in the operation; Finally, according to the legal environment of our country, combined with the experience and development trend of commercial banks' foreign investment, the paper puts forward the feasible countermeasures to perfect commercial banks' foreign investment.
【學(xué)位授予單位】：中南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.281

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