摘要
商业银行作为市场经济条件下的重要市场主体之一,同其他市场主体一样,既要在竞争中发展,也有可能在竞争中失利而退出市场。但是,相对于其他企业而言,商业银行的破产将会带来更大的社会影响,因此,建立符合本国国情的商业银行破产重整制度十分重要。鉴于银行业在国民经济中的特殊地位,银行破产重整不能简单适用一般商事企业法人的破产重整程序;基于本国特有的国情,银行破产重整也不能简单照搬外国银行破产重整制度。构建我国科学、实用、高效的银行破产重整制度,必须兼顾我国的金融法制现实,坚持与银行破产立法理念相一致的破产重整原则,设计适合中国银行业现状的破产重整启动程序,强化银行破产重整监督机制。
Being an important market subject of market economy, a commercial bank has to develop itself, but also has the possibility to quit market for failure in competition just like other market subjects. However, compared with other enterprises, bankruptcy of a commercial bank would bring much more social influences. Thus, it is essential to establish bankruptcy reorganization system of commercial banks, which is suitable for China＇s situation. Whereas the banking industry has special status in the national economy, bankruptcy reorganization of banks could not adopt the bankruptcy reorganization procedure of general business entities. Meanwhile, based on China＇s special condition, it could not copy the bankruptcy reorganization system of foreign banks. Considering China＇s reality of financial legal system, we must insist on the bankruptcy reorganization principle that complies with bank bankrupt legislative concept, and design initial procedure of bankruptcy reorganization, which is suitable to China＇s banking condition, and strengthen supervision mechanism for bankruptcy reorganization of banks, so that we can construct a bankruptcy reorganization system of China＇s banks with science, practicality and high efficiency.
出处
《苏州教育学院学报》
2010年第1期82-86,共5页
Journal of Suzhou College of Education
关键词
商业银行
破产重整
金融立法
金融危机
commercial bank
bankruptcy reorganization
financial legislation
financial crisis
