我国商业银行债权法律保护机制研究

发布时间：2018-03-13 04:36

本文选题：银行债权　切入点：成因分析　出处：《北方工业大学》2011年硕士论文　论文类型：学位论文

【摘要】：商业银行作为各种市场活动中最重要的金融中介,其经营质量的好坏不但影响自身的生存和发展,而且关系到广大储户的利益和社会稳定。商业银行作为现代经济的核心,资产质量是银行的生命线。因此,商业银行的巨额债权能否安全收回直接关系到银行业的繁荣和稳定,甚至会牵涉到国家的经济发展甚至是国家安全。我国现有的法律机制对商业银行债权的保护尚有不足之处,这不仅是我国法治环境的缺憾,同时也是诱发银行业危机的根源。因此需要从经济法、刑法、民法、商法、诉讼法等多角度、全方位的对银行债权进行保护,只有弥补法律上的空白才能为银行债权安全提供制度上的保障。为了保障法律制度的功效,还需要加强银行业监管,一方面要加强银行自身监管机制即规范银行内部操作行为,另一方面也要完善银行外部监管机制即加强银监会等监管机构对商业银行的监管。只有法律制度与银行监管机制的密切配合、相互协作,才能真正实现我国商业银行的繁荣与稳定,方收促进国民经济健康发展之功效。本文写作的目的就在于探索出一条更好的保护我国商业银行债权的机制模式,在介绍了我国商业银行不良债权成因以及美国、日本的处置银行不良债权的成功经验之后,笔者认真剖析了我国现行的法律体系对商业银行债权的保护的特点,并分别对其不足之处提出了看法。此外,还对我国银行外部监管以及银行内部监管机制提出了诸多合理、可具操作性的建议。希望通过法律体系的完善和银行监管机制的成熟来更好的保护我国银行业的安全与稳定。
[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.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.281

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