我国商业银行并购法律规制研究

发布时间：2018-08-30 15:23

【摘要】：在过去近百年间，全球先后发生过三次大规模的银行并购浪潮，银行并购已经成为金融机构危机处理、扩大经营规模、拓宽经营边界、改善财务状况的重要捷径。上世纪90年代以来，在全球银行如火如荼并购的大背景下，，我国也发生了若干起银行并购的事件，纵观我国商业银行并购的案例，银行并购行为在近几年才较频繁，商业银行的发展确实令人欣喜，但缺乏法律的有效规制和保障却让我们对未来我国商业银行并购的发展担忧。市场经济是法治经济，商业银行并购作为一种市场行为，必须遵守市场法则。然而，与西方发达国家相比，我国尚未对银行并购活动建立起一套完整有效的商业银行并购法律制度。随着我国金融业全面开放期限的到来，我国银行业将面临国外银行并购的激烈挑战。因此，如何通过完善我国商业银行并购的法律制度，来促进并购市场有序竞争、资源合理配置、防范金融风险已成为我国金融业亟待解决的实际问题。尽管国内许多学者对此研究颇多，但大都立足于经济学的基础上，系统的法学研究很少见。鉴于此，笔者以“我国商业银行并购法律规制研究”为题，从法学的角度对我国商业银行并购法律规制中存在的问题进行探讨。本文首先运用解释学的方法对商业银行并购行为进行了概述，具体阐述了商业银行并购的概念、特征、类型、动因等问题。在此基础上，通过历史分析法、实证研究法阐述我国商业银行并购的历程，并从中总结和归纳出我国商业银行并购过程中存在的问题，由此引出我国目前商业银行并购立法的现状及其不足。最后，通过对发达国家商业银行并购的法律规制进行比较分析，结合我国具体国情，建议遵循公平、自由和安全的原则，制定我国《商业银行并购条例》，待条件成熟后，提高法律位阶，制定我国《商业银行并购法》；明确我国商业银行反垄断执法机构及其权限，完善我国《反垄断法》；对外资并购我国商业银行的垄断行为进行规制，以维护我国金融业稳定与安全，提升商业银行的核心竞争力。
[Abstract]:In the past hundred years, there have been three large-scale bank M & A waves in the world. Bank M & A has become an important shortcut for financial institutions to deal with crisis, expand the scale of operation, broaden the operating boundary and improve the financial situation. Since the 1990s, under the background of the global banking mergers and acquisitions, there have also been a number of M & A events in China. Looking at the cases of commercial banks M & A in our country, the bank M & A behavior has been more frequent in recent years. The development of commercial banks is indeed gratifying, but the lack of effective regulation and protection of the law makes us worry about the development of mergers and acquisitions of commercial banks in China in the future. Market economy is an economy ruled by law. As a kind of market behavior, commercial bank M & A must abide by market rules. However, compared with the western developed countries, China has not yet established a complete and effective legal system of commercial bank M & A. With the arrival of the full opening term of China's financial industry, China's banking industry will face the fierce challenge of foreign bank mergers and acquisitions. Therefore, how to perfect the legal system of M & A of commercial banks in our country to promote the orderly competition of M & A market, the rational allocation of resources and the prevention of financial risks have become the practical problems to be solved urgently in China's financial industry. Although there are many scholars in China, most of them are based on economics, and systematic legal studies are rare. In view of this, the author discusses the problems existing in the legal regulation of mergers and acquisitions of commercial banks in China from the point of view of law, with the title of "study on the legal regulation of mergers and acquisitions of commercial banks in China". In this paper, we use hermeneutical method to summarize the M & A behavior of commercial banks, and explain the concept, characteristics, types, motivation of M & A of commercial banks in detail. On this basis, through the historical analysis method, the empirical research on the course of mergers and acquisitions of commercial banks in China, and summed up and summarized the existing problems in the process of mergers and acquisitions of commercial banks in China. This leads to the current situation and deficiencies of the merger and acquisition legislation of commercial banks in China. Finally, through the comparative analysis of the legal regulation of commercial bank M & A in developed countries, combined with the specific conditions of our country, it is suggested that we should follow the principles of fairness, freedom and security, and formulate our country's regulations on M & A of Commercial Banks, after the conditions are ripe. To raise the legal rank, to formulate the "Commercial Bank M & A Law" of our country; to clarify the anti-monopoly law enforcement agencies and their powers of commercial banks in China; to improve the "Anti-monopoly Law" of China; to regulate the monopoly behavior of foreign capital mergers and acquisitions of commercial banks in China; In order to maintain the stability and security of our financial industry, enhance the core competitiveness of commercial banks.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：D922.294;D922.287;D922.291.91

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