论我国商业银行破产清算制度

【作者】 赵敏；

【导师】 刘丹冰；

【作者基本信息】 西北大学 ， 法学， 2009， 硕士

【摘要】 商业银行具有不同于一般企业之处,经营对象的特殊性、资产构成的特殊性以及在经营中会遭遇的特殊风险,使得商业银行的经营具有极高的风险性,同时商业银行危机的传导性和其破产负外部效应的强烈性,使得商业银行破产不仅应遵循一般企业破产法律制度,还应根据其特殊之处,构建其破产法律制度。而我国目前商业银行破产清算法律制度有许多不完善之处,应对其进行完善。目前世界各国规定的破产原因的一般认定标准有三类,即“流动性标准”、“资产负债表标准”、“复合标准”,而商业银行不能简单适用一般企业破产原因,而应适用“监管机关认定的清偿能力”标准。本文在介绍美国“立即纠正措施”的基础上,对我国商业银行破产原因提出了完善建议。商业银行破产财产范围是破产清算中的重要问题,本文在介绍我国一般企业破产财产范围和商业银行破产财产范围的基础上,指出了界定商业银行破产财产时应注意的问题。商业银行破产债权的界定对于破产清算至关重要,本文从商业银行债权申报的特殊性、存款债权以及与破产债权密切相关的优先权,包括取回权、别除权、抵销权、共益债权等方面进行了评析并提出了自己的看法。商业银行破产管理人直接关系到破产清算能否顺利进行,本文从一般企业和商业银行破产管理人的选任、职责及监管方面进行了介绍并提出了自己的建议。商业银行破产财产的分配涉及到分配的顺序、分配的方式及能否实施多次分配问题,本文在对这些问题进行介绍的基础上提出了自己的建议。更多还原

【Abstract】 Commercial banks have some places different from general enterprise,Characteristic on manage object and property construction as well as particular risks that meet with in management ,A11 these made the construction of commercial banks have high-risk.Besides the link between banks’ crisis and the strong negative effects of commercial banks insolvency,these made commercial banks insolvency not only abide by common enterprise bankrupt law,but aiso according to it’s peculiarity to build commercial bank bankrupt law.Our country’s liquidation law for bank hasn’t been well established , it’s important to perfect it.At present,The reasons of bankrupt that many countries stipulated have three types,it is"fluidity standard"、"balance sheet standard"、"complex standard",Commercial banks should not simply applied the reasons of bankrupt that applied for common undertaking ,It should applied "the standard that in the insolvency conditions which are formulated by the bank supervision and management institutions" .The article introduced american’s"measures that instantly correct”and made some comments on how to perfect the reasons of our country’s commercial bank insolvency.The range of commercial bank insolvent property is a important problem in bank liquidation,The essay introduced our country’s stipulation of common enterprise and commercial banks and pointed out the problems which should be attention when dividing.The dividation of commercial bank insolvent creditor’s rights is very important to bank liquidation ,The article discussed in the field of characteristic on creditor’s rights station of commercial banks、the creditor’s rights of bank savings and rights of priority that close related with insolvent creditor’s rights,it’s included the rifhts of take back、the rights of elimination、the rights of offset、the creditor’s rights of common interest and made some suggestions.The administer person of commercial bank insolvency is very important to bank liquidation proceed smoothly,The essay introduced the administer person’s selection、obligation and supervision of common enterprise and commercial banks moreover made some recommendations.The distribution of commercial bank insolvent property involved the problems of the order of distribute、the way of distribute and whether carry out distribution many times,The article introduced these problems and made some proposals.更多还原