商业银行关联贷款法律规制研究

发布时间：2018-04-28 00:12

本文选题：商业银行 + 关联贷款　；参考：《广西大学》2011年硕士论文

【摘要】：商业银行关联贷款是一种典型的关联交易行为,理应受到《公司法》等一般性法律的规制。同时,无论从其产生原因还是从其危害性来看,商业银行关联贷款都有着区别于一般关联交易行为的特殊性。这就要求我们的立法者必须给予商业银行关联贷款特殊的制度安排。然而,长期以来,由于对商业银行关联贷款内涵的认识存在不足,对商业银行安全与效率理念把握的欠准确,以及未能对商业银行内控机制立法给予足够的重视等原因,我国的商业银行关联贷款的具体制度设计仍存在诸多问题,急需完善。本文试图在重新认识商业银行关联贷款本质内涵的基础上,借鉴国外立法的成功经验,从而为完善我国商业银行关联贷款规制立法提出相关合理的建议,也为完善我国商业银行关联交易立法提供一些参考。本文共分四章内容。第一章论述了商业银行关联贷款法律规制的一些基础理论问题,重点界定了商业银行关联贷款的概念与性质,分析了其产生原因与危害性。第二章论述了国外商业银行关联贷款法律规制的一般路径,并且得出了一些关于商业银行关联贷款法律规制的重要启示,以为我国立法提供参考。第三章主要阐述了目前我国商业银行关联贷款的法律规制现状,从立法指导思想与具体制度设计两方面论述了我国商业银行关联贷款法律规制中存在的主要问题,并分析了其中的原因。第四章在尊重中国现实国情的基础上,充分借鉴国外先进的立法经验,针对第三章中论述的主要问题,提出了重新定位立法指导思想、合理界定关联方、完善商业银行关联贷款的数量限制制度、公平交易条件、信息披露制度以及法律责任制度等立法建议。
[Abstract]:The commercial bank affiliated loan is a kind of typical related party transaction behavior, which should be regulated by the general law such as Company Law. At the same time, in terms of its causes and harmfulness, commercial banks' related loans are different from the general behavior of related party transactions. This requires that our legislators must give commercial banks special institutional arrangements for related loans. However, for a long time, due to the lack of understanding of the connotation of commercial banks' related loans, the inaccurate understanding of the concept of security and efficiency of commercial banks, and the failure to give sufficient attention to the legislation of internal control mechanism of commercial banks, etc. There are still many problems in the design of the related loan system of commercial banks in our country, which is in urgent need of perfection. Based on a new understanding of the essential connotation of commercial banks' related loans, this paper tries to draw lessons from the successful experience of foreign legislation, and then puts forward some relevant and reasonable suggestions for perfecting the regulation legislation of the related loans of commercial banks in our country. It also provides some reference for perfecting the related transaction legislation of commercial banks in our country. This paper is divided into four chapters. The first chapter discusses some basic theoretical issues of the legal regulation of commercial banks' related loans, and focuses on defining the concept and nature of the commercial banks' related loans, and analyzes the causes and harmfulness of the related loans. The second chapter discusses the general path of the foreign commercial bank related loan legal regulation, and draws some important enlightenment about the commercial bank related loan legal regulation, which provides the reference for the legislation of our country. The third chapter mainly expounds the current situation of the legal regulation of the related loans of the commercial banks in our country, and discusses the main problems in the legal regulation of the related loans of the commercial banks in our country from the two aspects of the guiding ideology of legislation and the design of the specific system. The reasons are analyzed. Chapter four, on the basis of respecting the reality of China, drawing on the advanced legislative experience of foreign countries, aiming at the main problems discussed in the third chapter, puts forward to reposition the guiding ideology of legislation and reasonably define the related party. Improve the commercial bank related loan quantity limit system, fair trade conditions, information disclosure system and legal liability system and other legislative proposals.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.281

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