论我国主办银行法律制度之完善

发布时间：2018-04-27 18:29

本文选题：主办银行制度 + 公司治理　；参考：《中国政法大学》2007年硕士论文

【摘要】： 1996年中国人民银行颁布了《主办银行管理暂行办法》,在我国正式引入了主办银行制度。这一制度源起于日本,其核心是通过加强银行和企业间的紧密合作,来建立一个新型的银企关系,理顺现代企业治理和融资等一系列的问题。受当时客观条件的限制,这一制度在引进时就不完善,并且随着岁月变迁,十年以前的立法也已经落后于时代。主办银行制度在新时代和新环境面临了新的问题,呼唤新的立法。本文正是在此背景和动力下构思完成。由于我国的主办银行制度是一件舶来品,在论述时不得不提到其引入的原型,因此本文在第一章前两节中专门介绍了日本的主银行制度,包括了这一制度的特点和形成的历史背景以及贡献,并随后分析了我国引入该制度的现实背景。这一章的主要目的是使读者对主银行制度有一个清晰客观的认识。在此基础上,第二章就我国主办银行制度的民商事法律环境作了分析,从商业银行法、公司法、破产法和担保法四个方面出发,论述了我国现有的民商法制度环境给主办银行制度之完善带来的障碍和契机。第三章开始讨论在新时期遭遇新问题的情况下,我国主办银行制度的新内容:一方面应该改变过去专为解决国有企业融资的旧宗旨,考虑中小企业的融资需求;另一方面也应该考虑到企业集团的广泛发展,吸收财务公司建立双轨并行的主办银行制度。这一章的论述角度是从主办银行自身的功能出发,在传统主银行制度基础上,对主办银行制度提出了新的要求。第四章在上文的基础上,提出了本文关于完善主办银行制度的设想。它从中国银企关系自身的特点出发,比较了有着较为接近的环境的日本和德国,选择了一种适合我国客观情况和条件的银企关系构架,即银行仍以债权人身份参与企业治理,企业集团方面交由大型商业银行和内部财务公司,而中小企业则交由中小金融机构负责。但本文仍然坚持将主办银行制度的建立交由市场选择,法律仅仅完善其运行和竞争的外部环境,保证各类主体公平地进入市场和有序地进行交易。这个基础上,本文主张建立主办银行制度的统一立法,同时完成民商法各领域的配套制度改革,如此方能建立起一套真正行之有效的银企关系制度。本文的研究方法,是从民商法的角度,来考证主办银行制度在我国施行之完善。论证的线索,一为我国主办银行制度施行的民商法律环境,另一为主办银行制度在新时期自身的完善,这一完善,也是围绕着银企关系在民商事领域出现的新问题提出的。因此可以说本文对于主办银行制度的研究,是从民商法的视角来展开讨论的。
[Abstract]:In 1996, the people's Bank of China promulgated the interim measures for the Management of the Host Bank, and formally introduced the system of the Host Bank in China. The core of this system is to establish a new type of relationship between banks and enterprises by strengthening the close cooperation between banks and enterprises, and to straighten out a series of problems such as modern corporate governance and financing. Limited by the objective conditions at that time, this system was not perfect when it was introduced, and with the change of time, the legislation of ten years ago was also behind the times. The host bank system is facing new problems in the new era and new environment, calling for new legislation. This article is under this background and the motive power under the idea completes. As the host banking system of our country is an import, we have to mention the prototype of its introduction when we discuss it, so this paper introduces the main banking system of Japan in the first two sections of Chapter one. It includes the characteristics, historical background and contribution of the system, and then analyzes the realistic background of the introduction of the system in China. The main purpose of this chapter is to give readers a clear and objective understanding of the main banking system. On this basis, the second chapter analyzes the civil and commercial legal environment of China's host bank system, starting from four aspects: commercial bank law, company law, bankruptcy law and security law. This paper discusses the obstacles and opportunities brought by the existing civil and commercial law system environment to the perfection of the host bank system. The third chapter begins to discuss the new contents of the host bank system of our country under the circumstances of new problems encountered in the new period: on the one hand, we should change the old purpose of solving the financing of state-owned enterprises and consider the financing needs of small and medium-sized enterprises; On the other hand, the extensive development of enterprise groups should be taken into account, and financial companies should establish a dual-track and parallel host bank system. From the point of view of the functions of the host bank, this chapter puts forward new requirements for the host bank system on the basis of the traditional main bank system. Chapter four, on the basis of the above, puts forward the idea of perfecting the host bank system in this paper. Proceeding from the characteristics of the relationship between banks and enterprises in China, it compares Japan and Germany, which have relatively close environments, and chooses a framework of relationship between banks and enterprises that suits the objective conditions and conditions of our country, that is, banks still participate in corporate governance as creditors. Corporate groups are handed over to large commercial banks and internal finance companies, while small and medium-sized financial institutions are responsible. However, this paper still insists on handing over the establishment of host bank system to the market for choice. The law only improves the external environment of its operation and competition, and ensures all kinds of subjects to enter the market fairly and conduct transactions in an orderly manner. On this basis, this paper advocates the establishment of a unified legislation of the host bank system, and at the same time completes the reform of the supporting system in various fields of civil and commercial law, so as to establish a truly effective system of the relationship between banks and enterprises. The research method of this paper is to verify the perfection of the host bank system in our country from the angle of civil and commercial law. The clue of argumentation is the civil and commercial legal environment of the institution of the host bank in our country, and the perfection of the system of the host bank in the new period. This perfection is also put forward around the new problems of the relationship between banks and enterprises in the field of civil and commercial affairs. Therefore, it can be said that the research of host bank system is discussed from the angle of civil and commercial law.
【学位授予单位】：中国政法大学
【学位级别】：硕士
【学位授予年份】：2007
【分类号】：D922.281

【引证文献】